A PHP Error was encountered
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Message: Creation of dynamic property CI_URI::$config is deprecated
Filename: core/URI.php
Line Number: 101
Backtrace:
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Router::$uri is deprecated
Filename: core/Router.php
Line Number: 127
Backtrace:
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$benchmark is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$hooks is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$config is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$log is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$utf8 is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$uri is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$exceptions is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$router is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$output is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$security is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$input is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$lang is deprecated
Filename: core/Controller.php
Line Number: 82
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 132
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 294
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 168
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 237
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 317
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 282
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 289
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 304
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 314
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 315
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 316
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 317
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 375
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 110
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_start(): Session cannot be started after headers have already been sent
Filename: Session/Session.php
Line Number: 143
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$session is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$email is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$pdf is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$db is deprecated
Filename: core/Loader.php
Line Number: 396
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated
Filename: database/DB_driver.php
Line Number: 371
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$adminmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$leadmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$clientmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$pagination is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/models/Pagemodel.php
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$pagemodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$load is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$benchmark is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$hooks is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$config is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$log is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$utf8 is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$uri is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$exceptions is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$router is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$output is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$security is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$input is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$lang is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$session is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$email is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$pdf is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$db is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$adminmodel is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$leadmodel is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
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Message: Creation of dynamic property CI_Loader::$clientmodel is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$pagination is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$pagemodel is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
Are There Any Practical Differences Between Insurance Agents And Brokers?
Are There Any Practical Differences Between Insurance Agents And Brokers?
The differences between insurance Aca,!A"agentsAca,!? and Aca,!A"brokersAca,!? have become so blurred in recent years that the modern trend is to do away with the distinction altogether, and to instead employ the term Aca,!A"insurance producerAca,!? for anyone selling insurance. Nevertheless, as a practical matter, there remain important distinctions between the two.
An insurance Aca,!A"agentAca,!? is a person that has entered into an Aca,!A"agency contractAca,!? with a particular insurance company to sell insurance. There are two types of agents, Aca,!A"exclusive and/or captive agentsAca,!? and Aca,!A"non-exclusive and/or independent agents.Aca,!? An Aca,!A"exclusive agentAca,!? sells insurance for one company only, while a Aca,!A"non-exclusiveAca,!? agent, who is generally an employee of an independent insurance agency, is capable of selling insurance for several insurance companies, thereby offering some price and coverage comparisons . Regardless of the distinction, however, all agents represent the insurance company they are selling for.
Meanwhile, an insurance Aca,!A"brokerAca,!? does not sell insurance for a particular insurance company. Rather, a broker represents the customer who is seeking insurance, and, thus, will approach several insurance companies in an attempt to find coverage. As a result, a broker is sometimes referred to as a super independent agent, often capable of providing a broader range of insurance options than an agent. Nevertheless, one draw back is that while an agent is given the authority under an agency contract to bind coverage, that is, to legally obligate an insurance company to provide coverage, a broker is not. A broker can only present his or her clientAca,!a,,cs information to the insurance company, and, if the company agrees, it will bind the coverage.
The key distinction between insurance agents and brokers remains their allegiance. While agents represent the insurance company, brokers represent the customer. Consequently, as a broad statement of law, the duties of agents to their customers are normally limited to timely and accurately processing forms, and procuring the insurance requested. Agents generally have no duty to conduct an examination of a customerAca,!a,,cs insurance needs, or to make sure appropriate coverage is obtained. On the other hand, in most states, brokers are considered to have a higher duty to their customer, which may include the duty to analyze the customerAca,!a,,cs insurance needs and to secure correct and adequate coverage. These extra services usually come at a price, however, as the premium payments are typically higher when insurance is purchased through a broker.
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