Which individuals associated with a title insurance company is required to be licensed as an insurance agent?

Which individuals associated with a title insurance company is required to be licensed as an insurance agent?

• A. AN INSURANCE BROKER
• B. AN OFFICE EMPLOYEE PERFORMING CLERICAL OR TECHNICAL SERVICES
• C. AN OFFICER OF THE COMPANY
• D. NONE OF THE ABOVE

Answer: (D)

Licensing as an insurance agent is required only for someone who actively solicits, negotiates, or places insurance with an insurer. In a title insurance company, most roles described—an office employee doing clerical or technical tasks, or an officer acting in their official capacity—do not involve soliciting or negotiating insurance coverage. They operate as part of the company’s regular business under the insurer’s supervision, not as independent or external agents seeking new business. A title company employee who merely handles paperwork or management duties isn’t needing a separate insurance agent license. If someone were an outside broker actively soliciting or placing title insurance for clients, that individual would be in a producer role, but the scenario given points to internal staff, who aren’t automatically required to be licensed. That’s why none of the listed individuals must be licensed in this context.

Licensing as an insurance agent is required only for someone who actively solicits, negotiates, or places insurance with an insurer. In a title insurance company, most roles described—an office employee doing clerical or technical tasks, or an officer acting in their official capacity—do not involve soliciting or negotiating insurance coverage. They operate as part of the company’s regular business under the insurer’s supervision, not as independent or external agents seeking new business. A title company employee who merely handles paperwork or management duties isn’t needing a separate insurance agent license. If someone were an outside broker actively soliciting or placing title insurance for clients, that individual would be in a producer role, but the scenario given points to internal staff, who aren’t automatically required to be licensed. That’s why none of the listed individuals must be licensed in this context.