Insurance brokers act as intermediaries between customers and insurance providers. They help individuals and organisations identify the cover they need, explain policy terms and exclusions, and arrange insurance with insurers. Depending on the broker, services may include comparing policies from several providers or placing specialist risks with a particular insurer or underwriting market. Personal insurance can include cover for homes, vehicles, travel, pets and life. Business services may cover property, vehicles, professional or public liability, employers' liability, business interruption and specialist risks. Brokers can also help customers review cover at renewal, make changes to a policy and understand how to report or progress a claim, although the insurer normally decides whether a claim is covered. Firms that advise on or arrange insurance in the UK are generally authorised by the Financial Conduct Authority or act as its appointed representatives.