In South Carolina, who is defined as an 'insurance broker'?

The definition of 'insurance broker' in South Carolina is specifically focused on the role of an individual who acts as an intermediary between the insurance consumer (the insured) and the insurance provider. A licensed individual who sells, solicits, or negotiates insurance on behalf of an insured is clearly conducting activities that align with the responsibilities of a broker. This definition encapsulates the essential function of a broker, which involves not just selling insurance but actively working to find the best coverage options for the client.

In the context of the other options, an individual who only sells health insurance does not encompass the broader responsibilities of selling, soliciting, or negotiating across various types of insurance policies. Similarly, a person who works solely as an office assistant does not engage with clients in the capacity of selling or negotiating insurance, thus falling outside of the broker's defined role. Lastly, a paid employee of an insurance company is considered an agent for that company rather than a broker, as they represent the interests of the insurer rather than the insured. Therefore, the correct answer accurately reflects the comprehensive role that an insurance broker plays in the South Carolina insurance marketplace.