Vermont § 4813c - Duties

§ 4813c. Duties

• (a) A person not duly licensed as an insurance producer or limited lines producer who
  sells, solicits, or negotiates insurance policies on behalf of an insurer shall be
  deemed a producer acting as the agent of such insurer within the intent of this subchapter,
  and shall be liable for all the duties, requirements, liabilities, and penalties to
  which an insurance producer or limited lines producer is subject, and the insurer,
  by compensating the person through any of its officers, agents, or employees for soliciting
  policies of insurance, shall accept and acknowledge that person as its agent in such
  a transaction. (b) A person not licensed as an insurance producer or limited lines producer who sells,
  solicits, or negotiates insurance on behalf of others or transmits for others an application
  for a policy of insurance to or from an insurer, or offers or assumes to act in the
  negotiations of insurance, shall be a producer within the intent of this subchapter,
  and shall be liable for all the duties, requirements, liabilities, and penalties to
  which licensed insurance producers or limited lines producers are subject. (c) Every insurance producer or limited lines producer acting as an agent of an insurer
  who sells, solicits, or negotiates insurance of any kind shall, in any controversy
  between the insured or his or her beneficiary and the insurer, be regarded as representing
  the insurer and not the insured or his or her beneficiary for whose acts the insurer
  will be responsible. (d) Every insurance producer or limited lines producer, not acting as the agent of an
  insurer, who sells, solicits, or negotiates insurance of any kind shall, in any controversy
  between the insured and his or her beneficiary and the insurer issuing any policy
  of insurance, be regarded as representing the insured or his or her beneficiary and
  not the insurer, except any insurer that directly or through its agents delivers in
  this State to any producer a policy or contract for insurance pursuant to the application
  or request of the producer, acting for an insured other than himself or herself, shall
  be deemed to have authorized the producer to receive on its behalf payment of any
  premium that is due on the policy, or contract for insurance at the time of its issuance
  or delivery. (Added 2001, No. 97 (Adj. Sess.), § 18.)