Insurance carriers are the companies and there are two types of insurance carriers: direct and reinsurance. The Direct carriers are responsible for the initial insurance policy underwriting. Agents appointed to work in the field with the customers builds a book of business with the insurance company. The insurance company will look for reinsurance carriers to assume all or part of the risks connected with the insurance policies originally underwritten by direct insurance carriers. Direct insurance carriers often look for reinsurance on large portions of the risk they insure. Insurance for Insurance. Direct insurance carriers offer a variety of insurance policies … Continue reading →