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Vegas Injury Law

Welcome to Vegas Lawyer. This site is for people who were hurt in Nevada. Contact us for a free consultation. You may want to read the Las Vegas Personal Injury Law introduction on our home page. Also, you can get an overview of other claims like Wrongful Death, Auto Accidents, Slip & Fall, and Products Liability before you explore the Article below.

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  • Cost-Effectiveness Analysis And Product Liability
  • Types Of Business Insurance
  • Admitting Scientific Evidence
  • Insurance Agents and Brokers


  • Insurance Agents and Brokers

    Most people have their first contact with an insurance company through an insurance agent or broker. These professionals sell insurance policies to individuals and businesses to provide protection against financial loss. Insurance agents and brokers help individuals, families, and businesses select the policy that provides the best insurance protection for their lives and health, as well as for their automobiles, jewelry, personal valuables, furniture, household items, businesses, and other properties. Agents and brokers prepare reports, maintain records, and, in the event of a loss, help policyholders settle insurance claims. Some agents may help an employer provide employees the opportunity to buy insurance through payroll deductions. Insurance agents may work for one insurance company or as "independent agents" selling for several companies. Insurance brokers do not sell for a particular company, but place insurance policies for their clients with the company that offers the best rate and coverage.

    Insurance agents sell one or more of several types of insurance—life, property and casualty, health, disability, and long-term care. Life insurance agents specialize in selling policies that pay beneficiaries when a policyholder dies. Depending on the policyholder's circumstances, a whole-life policy can be designed to provide retirement income, funds for the education of children, or other benefits. Life insurance agents and brokers are sometimes referred to as life underwriters.

    Property and casualty insurance agents and brokers sell policies that protect individuals and businesses from financial loss as a result of automobile accidents, fire or theft, storms, and other events that can damage property. For businesses, property and casualty insurance can also cover injured workers' compensation, product liability claims, or medical malpractice claims. Many life and property and casualty insurance agents also sell health insurance policies covering the costs of medical care and loss of income due to illness or injury.

    An increasing number of insurance agents and brokers offer comprehensive financial planning services to their clients such as retirement planning counseling. As a result, many insurance agents and brokers are involved in "cross-selling" or "total account development"—besides insurance, these agents may become licensed to sell mutual funds, annuities, and other securities.

    Since insurance sales agents obtain many new accounts through referrals, it is important that agents maintain regular contact with their clients to ensure their financial needs are being met as personal and business needs change. Developing a satisfied clientele who will recommend an agent's services to other potential customers is a key to success in this field. Some insurance agents and brokers are also using the Internet to advertise and describe the financial products and services that they provide.

    This information came from an
    FCIC online article.

    *** Any law, statute, regulation or other precedent is subject to change at any time ***

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    DEMPSEY, ROBERTS & SMITH, LTD.
    520 South Fourth Street, Suite 360
    Las Vegas, Nevada 89101

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    A Las Vegas Lawyer can help you in any area in Nevada, including:

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