Who is responsible for notifying the Commissioner of an agent's appointment?

The insurer is responsible for notifying the Commissioner of an agent's appointment because it is the insurer that has the direct relationship with the agent in terms of employment or contractual agreement. The appointment process ensures that the agent is officially recognized to sell the insurer's products and represents the insurer's interests.

This requirement helps maintain regulatory oversight and accountability in the insurance industry. It allows the Commissioner to keep accurate records of which agents are authorized to provide coverage, thereby enhancing consumer protection and ensuring that licensed agents are using the insurers' appointed authority in a legally compliant manner.

In contrast, the other parties involved—the agent, the insured, and the regulatory board—do not hold the formal responsibility of notifying the Commissioner about agent appointments. The agent operates under the appointment granted by the insurer, the insured is the policyholder seeking coverage, and the regulatory board typically oversees compliance rather than directly managing appointments.