What type of insurance agent can only represent one insurance company?

The correct response highlights that a direct writer is an insurance agent who is employed by and only represents a single insurance company. This means all the policies and products they sell come exclusively from that one insurer. Because of this employment relationship, direct writers typically have a deep understanding of their company's offerings and often have specialized training in the products they represent.

In contrast, independent agents have the flexibility to sell policies from multiple companies, providing wider options for consumers. Brokers, too, act on behalf of the consumer and can access a variety of insurers. On the other hand, the general term "agents" can refer to both independent agents and direct writers, but it does not exclusively imply that they represent only one company. Therefore, only direct writers fit the specific description in the question regarding representation of a single insurer.