Who does not usually sell insurance cover to a large company?

A risk manager typically works within a large company to identify, assess, and mitigate risks, rather than selling insurance coverage. They focus on the internal management of risks and may collaborate with insurance professionals to procure insurance but do not have the role of selling insurance themselves. Their primary responsibility is to protect the organization from potential financial losses through various strategies, including insurance but also encompassing broader risk management practices.

Captive insurance companies are specifically created to insure the risks of their parent group, thus they can offer coverage directly to large companies. Composite insurance companies provide a range of insurance products, often offering both life and non-life insurance, and brokers act as intermediaries who facilitate the purchase of insurance from various providers. Therefore, in the context of selling insurance cover directly to large companies, the risk manager does not typically participate in the selling process.