Why do you need a broker for TLC insurance for Uber (in NYC)?

I keep hearing about getting an insurance broker for TLC. I'm doing Uber (in NYC) and I don't understand what a broker can do that you can't do yourself. I mean what's the difference between him/her getting me some specialized license vs me getting my own commercial license from somewhere like... show more I keep hearing about getting an insurance broker for TLC. I'm doing Uber (in NYC) and I don't understand what a broker can do that you can't do yourself. I mean what's the difference between him/her getting me some specialized license vs me getting my own commercial license from somewhere like progressive or Geico?
6 answers 6