Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Expertise from Forbes Councils members, operated under license. Opinions expressed are those of the author. We are entering Q3, and for most HR, finance and employee benefits professionals, the ...

Brokers help find and recommend insurance policies by assessing client needs and researching options. Brokers are distinct from agents as they can't bind coverage; they facilitate policy application.