What is the role of a person acting on behalf of an insurance company?

The role of a person acting on behalf of an insurance company is exemplified by the independent adjuster. An independent adjuster is typically contracted by an insurance company to assess losses and damages for claims. They conduct investigations, evaluate evidence, and determine the validity of a claim based on the policy's terms. This role is crucial because it provides an objective assessment of claims, ensuring that both the insurer's interests and the policyholder's rights are fairly balanced.

While a broker acts as an intermediary between the insurance company and the insured, and an agent represents the insurance company directly to sell and manage policies, these roles differ significantly from that of an independent adjuster. A liability adjuster specifically focuses on liability claims, which is a subset of the broader responsibilities that independent adjusters may cover. Therefore, the independent adjuster is the best representation of an individual acting on behalf of an insurance company in the context of dealing with claims.