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The local agent represents a carrier in a given city or town. He will ordinarily represent more than one carrier: he may represent both stock and mutual companies. The commission received by the local agent naturally is less than that paid to general or regional agents. The local agent performs little technical insurance service.

These services are performed by the true regional or general agent Cullen Gillaspia Salute to Service Jersey , or by the branch or home offices. The local agent is principally a salesman; his job is to acquire business and to give home insurance quotes to his clients.

However, for fire insurance, he is usually a recording agent; that is, he prepares and countersigns policies in behalf of his companies. In casualty insurance Kahale Warring Salute to Service Jersey , he is often no different from the regional or general agent, except that his commission rate is less and he writes less business.

Attached to the home office,