A producer who is acting as an agent is representing:

In the context of insurance, when a producer acts as an agent, their primary responsibility is to represent the insurer. This means that the producer works on behalf of the insurance company to market and sell its products, and they have a fiduciary duty to the insurer.

Agents facilitate the transaction between the insurer and the insured, but their loyalty lies with the insurer, as they are often tasked with ensuring that the terms of the insurance policy align with the carrier's underwriting standards and financial interests. They serve as the intermediary, providing guidance to consumers about policy options and ensuring that applications meet the requirements of the insurer.

While agents may also provide information and assistance to insured parties, it is crucial to understand that their role primarily revolves around the needs and regulations set forth by the insurer. Therefore, when discussing whom a producer acting as an agent represents, the focus is on the loyalty to the insurer.