What type of duties can unlicensed individuals perform under the supervision of a licensed broker?

Unlicensed individuals may assist with administrative tasks under the supervision of a licensed broker, and preparing invoices or billing for policies falls within these permissible activities. This task is considered a clerical or administrative function that does not require specialized knowledge of insurance laws or guidelines, thus allowing unlicensed personnel to manage such duties while being overseen by a licensed professional.

On the other hand, negotiating insurance deals, advising clients on coverage options, and signing insurance applications are activities that demand a licensed individual's expertise and understanding of the legal and regulatory frameworks in insurance. These roles involve critical decision-making and the ability to interpret policy details accurately, which is why only licensed agents or brokers are authorized to perform them.