What title is given to an individual responsible for selling and negotiating insurance contracts on behalf of the insurer?

The title given to an individual responsible for selling and negotiating insurance contracts on behalf of the insurer is "Producer." A producer is often licensed to sell insurance products and works directly with clients to assess their insurance needs and recommend suitable policies. In the context of the insurance industry, producers can take various forms, including agents who represent a specific company and brokers who represent multiple insurers. However, the overarching term "producer" encompasses all individuals who create or "produce" business for insurance companies.

In this role, producers are integral to the insurance process, as they serve as the primary link between the insurer and the customer, facilitating the transaction of insurance policies and ensuring that clients understand their coverage options. By negotiating terms and conditions, producers help to tailor policies that meet the unique needs of each client, which is essential for the effective functioning of insurance markets.