The broker is an insurance professional and a friend to the insuring public who understands your specific insurance needs.
An agent works for one company and can only offer the products of that company. An insurance broker has access to the products of several insurance companies and can find the best combination of coverage, price and service. In other words, an insurance broker works for you.
Generally no, brokers make their money by receiving commissions from the insurance companies that they place your business with. There is no direct charge to you for a broker’s services.