NICL Insurance Services, LLC is a full service insurance brokerage firm offering all lines of insurance. NICL acts as an intermediary between insurer and client, helping to assess the client's business and risk profile, and accordingly suggesting appropriate coverage. Although NICL draws salaries from insurers (Insurance Companies) , the firm’s top priority is to achieve the client's interests. Moreover, NICL does not charge any commission for services provided to clients. When a client makes damage claims, NICL interacts on behalf of the client with surveyors, photographers and structural engineers appointed by the insurer. NICL will manage knowledge and information flow relating to our clients and the markets in which they operate. Accordingly, we have to maintain detailed records. Not only that, but we also collate data from other sources and then analyze them to see the big picture. In addition, we identify new industry trends and developments on the basis of collated data and evaluate various insurance products on the market. In many countries, in fact, insurers are already selling their products mainly through brokerage firms. In other words, brokers have emerged as the sole distributor of policies for the insurance companies in those countries. Nevertheless, this trend is yet to evolve into a global practice.