Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Brokers help find and recommend insurance policies by assessing client needs and researching options. Brokers are distinct from agents as they can't bind coverage; they facilitate policy application.

Business insurance is critical – and complex. Learn how to vet a reputable broker who can help you decide which risks to insure against and for how much.