Definition: Independent insurance agents are individuals who operate independently from an insurance company or another business entity to provide services in the insurance industry. In the United States, an independent insurance agent can be a personal insurance agent or a licensed commercial property and casualty insurance broker or agent. They typically have their own office space, staff, and tools such as computers and equipment to process insurance claims. The term "independent" refers to the fact that the agent does not work for an insurance company, but rather acts independently from them. The term "agent" refers to the individual who acts on behalf of a policyholder or business. Some definitions of independent insurance agents include: - A personal insurance agent is an independent person who operates under their own name and without direct communication with an insurance company. - A licensed commercial property and casualty insurance broker or agent is a professional that acts as an intermediary between the customer and the insurer. They must be registered with the state board of commerce in order to conduct business. It's important to note that each state has its specific requirements for independent insurance agents, so it's advisable to check with your local insurance department or regulatory body for specific guidance.