Navigating through the world of commercial insurance can, at times, be a daunting process. The world of insurance professionals has largely two factions, the retail insurance agent and the wholesale commercial insurance agent. The main difference between the two is that the retail agent has a direct line of contact between them and the client. Conversely, the wholesale insurance agent is contracted by the retail agent to coordinate the placement of coverage on their behalf. Both types of agent can perform the same job; however, each have their own distinct benefit. Retail agents have more of a direct relationship with their clients allowing for a smoother transaction.  While wholesale agents often have availability to more difficult to reach markets, allowing them to have a broader scope of service. Don’t worry, there isn’t too much to know. Just keep doing your homework and it will be fine.