I’m working on a writing question and need an explanation and answer to help me learn.
Either for your personal coverage, or commercial coverage if you started a business, would you rather be insured by a stock insurer, mutual insurer or reciprocal exchange? What benefits do you think this choice would bring you, and any drawbacks?
Additionally, would you rather be represented by an agent or a broker? What would be the benefits and drawbacks of your choice?
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