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

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

• A. An officer of the company
• B. An insurance broker
• C. An office employee performing clerical or technical services
• D. NONE OF THE ABOVE

Answer: (D)

Licensing as an insurance agent is required only for those who solicit or negotiate insurance for the public. For title insurance, the people who work for a title insurance company in internal capacities—such as officers and office staff performing clerical or technical tasks—are generally exempt from needing a separate insurance agent license because their duties involve issuing or administering title policies for the company, not selling to the public. Even a broker associated with the title company would fall under the same exemption when acting within the company’s own title insurance operations. So, none of the listed roles requires a separate insurance agent license in this context.

Licensing as an insurance agent is required only for those who solicit or negotiate insurance for the public. For title insurance, the people who work for a title insurance company in internal capacities—such as officers and office staff performing clerical or technical tasks—are generally exempt from needing a separate insurance agent license because their duties involve issuing or administering title policies for the company, not selling to the public. Even a broker associated with the title company would fall under the same exemption when acting within the company’s own title insurance operations. So, none of the listed roles requires a separate insurance agent license in this context.