CII Certificate in Insurance - Insurance Broking Fundamentals (I10) Practice Test 2026 – All-in-One Guide for Exam Success!

The claim handling services that brokers provide can vary widely, but an important distinction is that full underwriting service is not typically considered a method by which brokers directly handle claims.

Brokers typically focus on representing their clients in navigating the insurance process, especially when it comes to claims. This includes acting as advocates for their clients (the claims advocacy role) and sometimes having delegated authority to handle claims on behalf of an insurer. Brokers aim to support clients through the claims process by ensuring that claims are managed effectively and that clients receive the benefits they are entitled to.

In contrast, full underwriting service relates to the assessment and selection of risks for insurance coverage, which is primarily the function of underwriters. Underwriting involves evaluating risks and determining terms, premiums, and conditions for insurance policies, rather than directly engaging with claims once an insured event has occurred. Therefore, this process is not aligned with the roles brokers play in claims handling.