Which person is required to hold a producer license?

A person who negotiates insurance contracts is required to hold a producer license because this role is directly involved in the selling and placement of insurance products. The producer license ensures that individuals understand the statutory and regulatory requirements of the insurance industry, allowing them to effectively represent insurers or insureds in the negotiation process.

Moreover, the producer is responsible for advising clients about policy options, coverage limits, and terms, which requires a solid grasp of insurance principles and regulations. The licensing process typically involves passing a competency exam and fulfilling continuing education requirements, which helps ensure that licensed producers have the necessary knowledge and skills to properly serve their clients.

In contrast, the other roles mentioned, such as creating advertising, taking messages for claims, or administering employer benefits, do not typically involve the negotiation or selling of insurance policies and therefore do not necessitate a producer license. These positions may have other professional requirements, but they do not fall under the same regulatory framework as the role of a licensed producer.