PLCaliforniaeasy
Under Cal. Ins. Code § 1625.5, a California Personal Lines Broker-Agent is authorized to transact which of the following policies?
AA Business Owners Policy (BOP) for a residential rental complex owned by an LLC
BCommercial general liability for a homeowner's small accounting practice
CWorkers' compensation for a household's domestic employees written on the commercial market
A homeowners policy on an owner-occupied single-family dwelling
Why this is the answer
California's Personal Lines Broker-Agent license is intentionally narrower than the full Property Broker-Agent license. Section 1625.5 enumerates personal auto, owner-occupied dwelling, homeowners, mobile home, personal watercraft, snowmobile, personal inland marine, personal umbrella, and personal cyber as the permitted product universe. Any policy on a business risk, regardless of size, requires the broader Property Broker-Agent (or appropriate Casualty/WC) license. Selling outside this scope subjects the licensee to discipline under Cal. Ins. Code §§ 1668-1668.5.
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