In the absence of a broker, what can a licensed employee do?

When considering the role of a licensed employee in the absence of a broker, it's crucial to recognize that these employees are generally authorized to perform activities that typically fall under the purview of a broker. This means they can engage in transactions that are essential for facilitating insurance services, which includes performing the necessary acts that brokers normally handle, such as discussing and analyzing coverage options with clients, providing quotes, and binding insurance contracts.

This ability to perform normal broker acts is particularly important in ensuring that clients continue to receive the necessary services and guidance when a broker is unavailable, ensuring that the insurance process remains seamless.

In contrast, simply confirming risk coverage, settling small claims, or completing applications are more limited or specific actions that do not encompass the broader responsibilities that a licensed employee can undertake in the absence of a broker. These tasks are parts of the overall insurance transaction process but do not fully capture the comprehensive role assigned to employees functioning in a broker’s capacity.