投保人通过保险经纪人向保险公司投保,在保险合同的订立过程中,保险经纪人是投保人的代理人,其对包括免责条款在内的全部保险条款具有充分的选择权、协商权甚至定价权。这类保险条款不存在信息不对称,不应当被认定为格式条款。问题的提出——一个公众责任保险案例一、基本案情某环保公司通过某保险经纪公司向某保险公司投保了公众责任保险。 The insured person insures the insurance company through the insurance broker. In the process of establishing the insurance contract, the insurance broker is the agent of the insured person and has full options, negotiation rights and even pricing for all the insurance clauses including the exemption clause right. There is no information asymmetry in such insurance clauses and should not be regarded as a format clause. Proposed problem - a case of public liability insurance First, the basic merits of an environmental protection company through an insurance brokerage firm to an insurance company to insure the public liability insurance.