OAR 836-071-0280: Permitted and Prohibited Activities of Insurance Personnel Exempt from Insurance Producer License Requirement

For purposes of ORS 744.056(2)(a): (1) An unlicensed person whose activities are executive, administrative, managerial, clerical or a combination of these and is employed by an insurance producer may engage in any activity described in this section, subject to review by the insurance producer or an insurance producer employed by the insurance producer if review is required under this section, if the unlicensed person engages in the activity under the supervision of the insurance producer and on the premises of the insurance producer’s business. The unlicensed person may: (a) Disclose rates to the insurance-buying public, but only if the rates are reviewed by the insurance producer prior to submission to the insurer; (b) Fill out an application for insurance if the application is reviewed by the insurance producer prior to submission to the insurer; (c) Accept or receive an insurance premium; (d) Provide information to current policyholders addressing existing policy terms; (e) Take requests for changes on in-force policies; (f) Obtain information needed from insureds; (g) Receive claim information directly from insureds and claimants; (h) Engage in telephone marketing or making appointments, but only to the extent that the person may obtain policy expiration dates; and (i) Transmit insurance policies to insureds. (2) An unlicensed person whose activities are executive, administrative, managerial, clerical or a combination of these and is employed by an insurer may engage in any activity described in this section. The unlicensed person may: (a) Disclose rates to the insurance-buying public; (b) Fill out an application for insurance; (c) Accept or receive an insurance premium; (d) Provide information to current policyholders addressing existing policy terms; (e) Take requests for changes on in-force policies; (f) Obtain information needed from insureds; (g) Receive claim information directly from insureds and claimants; (h) Engage in telephone marketing or making appointments, but only to the extent that the person may obtain policy expiration dates; (i) Transmit insurance policies to insureds; and (j) Analyze, interpret and resolve policy coverage questions regarding a claim. (3) An unlicensed person whose activities are executive, administrative, managerial, clerical or a combination of these and is employed by an insurance producer may engage in the following activities only if they are indirectly related to the sale, solicitation or negotiation of insurance: (a) Binding coverage; or (b) Interpreting policy coverages.