Which of the following best describes an independent agent?

An independent agent is best described as a professional who represents multiple insurance carriers rather than being tied to a single insurer. This type of agent has the flexibility to offer a range of policies from different companies, allowing them to match their clients with the most suitable coverage options based on individual needs and circumstances. Additionally, independent agents typically own their expirations, meaning they retain the rights to their clients' accounts and can continue to serve these clients even if they choose to switch affiliations with carriers. This independence and ownership provide a significant advantage in offering more tailored services and maintaining long-term client relationships.

Other descriptions, such as contracting with one company, being a salaried employee of one insurer, or being unaffiliated with any insurer, do not accurately encapsulate the role of independent agents, as they specifically thrive on diversity in insurance offerings and client connections.