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An operational definition of insurance is that it is the benefit provided by a particular kind of indemnity contract, called an insurance policy that is issued by one of several kinds of legal entities (stock insurance company, mutual insurance company, reciprocal, or Lloyd's syndicate, for example), any of which may be called an insurer in which the insurer promises to pay on behalf of or to indemnify another party, called a policyholder or insured that protects the insured against loss caused by those perils subject to the indemnity in exchange for consideration known as an insurance premium.

Insurance may also be purchased through an agent. Unlike a broker, who represents the policyholder, an agent represents the insurance company from whom the policyholder buys. An agent can represent more than one company.