保(bao)(bao)(bao)險經紀(ji)公(gong)(gong)司是指(zhi)依法(fa)成立(li)的(de)保(bao)(bao)(bao)險中(zhong)介機構。他(ta)一(yi)方面代表被保(bao)(bao)(bao)險人(ren)的(de)利益(yi)，為(wei)被保(bao)(bao)(bao)險人(ren)設計保(bao)(bao)(bao)險方案，與保(bao)(bao)(bao)險公(gong)(gong)司商議(yi)達成保(bao)(bao)(bao)險協議(yi)。另一(yi)方面，為(wei)保(bao)(bao)(bao)險公(gong)(gong)司招攬業務(wu)(wu)，向保(bao)(bao)(bao)險公(gong)(gong)司收取傭(yong)金。再在保(bao)(bao)(bao)險市場上，為(wei)分出公(gong)(gong)司安排分保(bao)(bao)(bao)業務(wu)(wu)，向分入(ru)公(gong)(gong)司收取再保(bao)(bao)(bao)險傭(yong)金。在日(ri)常(chang)工作中(zhong)，保(bao)(bao)(bao)險經紀(ji)公(gong)(gong)司還可以向投(tou)保(bao)(bao)(bao)人(ren)提供防災防損、風險評(ping)估、風險管(guan)理、保(bao)(bao)(bao)險咨詢或顧問服務(wu)(wu)等等。

具體地說，保險(xian)(xian)(xian)經紀(ji)(ji)公(gong)(gong)司(si)針對(dui)客(ke)(ke)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)特定(ding)需求，運用(yong)自身的(de)(de)(de)(de)(de)(de)(de)專(zhuan)業(ye)優勢(shi)，為(wei)客(ke)(ke)戶(hu)(hu)(hu)提供專(zhuan)業(ye)的(de)(de)(de)(de)(de)(de)(de)保險(xian)(xian)(xian)計劃(hua)和風險(xian)(xian)(xian)管(guan)(guan)理方案。在同客(ke)(ke)戶(hu)(hu)(hu)簽訂(ding)委托協議后，由(you)保險(xian)(xian)(xian)經紀(ji)(ji)公(gong)(gong)司(si)組織市場(chang)詢價(jia)或招投(tou)標，選擇綜合承保條(tiao)件最優越的(de)(de)(de)(de)(de)(de)(de)保險(xian)(xian)(xian)公(gong)(gong)司(si)作為(wei)承保公(gong)(gong)司(si)。在與(yu)保險(xian)(xian)(xian)公(gong)(gong)司(si)的(de)(de)(de)(de)(de)(de)(de)談判(pan)中維護客(ke)(ke)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)利益，爭取對(dui)客(ke)(ke)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)最大優惠。此外，保險(xian)(xian)(xian)經紀(ji)(ji)人還(huan)協助客(ke)(ke)戶(hu)(hu)(hu)制定(ding)保險(xian)(xian)(xian)以外的(de)(de)(de)(de)(de)(de)(de)全面的(de)(de)(de)(de)(de)(de)(de)風險(xian)(xian)(xian)管(guan)(guan)理計劃(hua)。風險(xian)(xian)(xian)管(guan)(guan)理具有很強(qiang)的(de)(de)(de)(de)(de)(de)(de)專(zhuan)業(ye)性，保險(xian)(xian)(xian)經紀(ji)(ji)公(gong)(gong)司(si)是國內外保險(xian)(xian)(xian)市場(chang)所(suo)公(gong)(gong)認的(de)(de)(de)(de)(de)(de)(de)專(zhuan)業(ye)的(de)(de)(de)(de)(de)(de)(de)風險(xian)(xian)(xian)管(guan)(guan)理顧問。