• Why is Insurance needed? • What does a broker do? • Why use a broker? • our broker will provide ongoing services? • What is risk management? • Which broker should I deal with? • Can I change broker at any time? • Who is the broker working for? • How are insurance brokers paid? •I sn't it cheaper to go to the insurance company direct? • How can I be sure they are not just selling me a product off the shelf? • Claims? • Is a broker the same as an insurance agent?