@Coffee Addict
The insurance Broker system while common in NY State is not in many places.
Here in CT the insurance company is paid directly and they pay the commission to the sales agent/broker (if there is one due a commission).
A insurance broker in NY may choose to front the money for the Yeshiva until paid, or may have a positive commission balance with the insurance company, so the premium is paid from the float.
This can’t happen with direct payment situations.