Who does a direct writer work for?

A direct writer works for one insurance company as an employee. This model means that the agent represents only that specific insurer and sells its policies directly to consumers. Because they are employees, direct writers typically follow the company's guidelines and procedures and may receive a salary or commission based on the policies they sell.

This structure allows for a streamlined sales process, as the direct writer focuses solely on the products offered by their employer and can provide in-depth knowledge and service regarding those specific offerings. Additionally, being an employee often means that direct writers have access to resources and support from the insurance company, enhancing their ability to assist clients effectively.