First, the position of insurance brokerage companies in the insurance market.

(a) the legal nature and status of the insurance brokerage company

According to Article 126 of the Insurance Law of People's Republic of China (PRC), "an insurance broker is a unit that provides intermediary services for the insured to conclude an insurance contract with the insurer based on the interests of the insured and collects commissions according to law".

(two) the insurance brokerage company is the representative of the interests of customers.

As the representative of customers' interests, insurance brokerage companies have a better understanding of customers and insurance products. When negotiating with insurance companies on behalf of the interests of policyholders, they can greatly reduce the risks and losses caused by customers' unfamiliarity with insurance clauses.

(3) The insurance brokerage company is an enterprise insurance consultant.

As insurance consultants, insurance brokerage companies have the responsibility and obligation to provide accurate insurance market information for enterprises and strive for the most comprehensive insurance protection for policyholders at the most appropriate price.

Second, the significance of introducing insurance brokers into enterprises

(a) is conducive to safeguarding the legitimate rights and interests of enterprises

As insurance lawyers and consultants of enterprises, insurance brokerage companies can serve enterprises and solve insurance and claim settlement problems for enterprises through their own familiarity and rich professional knowledge.

(2) arrange insurance scientifically and transfer risks reasonably.

Insurance contracts are actually contractual futures contracts, and the types and terms of insurance companies are formulated through scientific data and practice.

(3) Reduce the premium and increase the insurance income.

Handling insurance through brokerage companies can greatly reduce the insurance premium expenditure of enterprises. On the one hand, brokerage companies can make use of their professional knowledge of the insurance market and use the competition mechanism to obtain inexpensive insurance products.

(4) Manifesting openness, fairness and justice.

In the process of determining the scheme, selecting insurance companies and organizing co-insurance, enterprises bid through brokerage companies, avoiding direct contact between insurance companies and customers. Through the professional services of brokerage companies, public bidding and strict selection according to scientific and reasonable bid evaluation standards, problems such as commercial bribery and black-box operation that may occur in the process of direct customer selection are avoided, which fully embodies professionalism, openness and fairness and promotes the healthy and benign development of the insurance market.

(five) do not increase the cost of enterprises.

As the insurance consultant of the enterprise, the insurance brokerage company does not charge any fees for the enterprise and serves the enterprise free of charge. It is a free and professional team of risk management experts that the enterprise is not compiling.

(7) Professional claim service

Insurance brokers rushed to the scene immediately after the enterprise was out of danger to help customers reduce losses. They can make professional suggestions to enterprises, assist enterprises to prepare relevant claim materials, coordinate the determination of accident responsibility and the achievement of final compensation results, and solve the problem of enterprise claim.