Which of the following best defines a "broker" in the context of insurance?

A broker in the context of insurance is best defined as someone who represents the interests of the client in finding the most appropriate insurance policy. Unlike agents who typically represent one or more insurance companies and primarily sell their products, brokers work on behalf of the clients. Their role involves assessing the clients' needs and exploring various options available from multiple insurers to ensure that the client gets the best coverage, terms, and pricing suited to their individual circumstances. This client-focused approach is what distinguishes brokers in the insurance marketplace, as they do not have an allegiance to any one insurer.

As for the other options, they do not capture the primary function of a broker. Representing the insurer directly does not align with the broker's role, as their loyalty lies with the client. Selling insurance products from only one company is characteristic of an agent rather than a broker, who is expected to provide a wider range of choices. Handling claims is also outside the typical responsibilities of a broker, as that function usually falls under the purview of adjusters or agents affiliated with the insurance provider.