Which license type allows a person or organization to write property and casualty insurance via a non-admitted insurer?

The correct answer is C, as a Surplus Lines Agent is specifically licensed to place insurance coverage with non-admitted insurers. Non-admitted insurers are those that are not licensed in the state where the business is being conducted, and they are typically used when the standard market cannot provide the required coverage. Surplus Lines Agents have the authority to procure these types of insurance because they meet specific regulatory requirements.

In the context of property and casualty insurance, Surplus Lines Agents play a crucial role in accessing specialized or higher-risk insurance products that traditional admitted insurers might not be willing to write. This license type ensures that agents can operate in compliance with state laws while providing policyholders access to necessary coverage.

Other options do not provide the same authority or function. Nonresident Producers are typically agents licensed in one state but operating in another, and their authority is generally limited to admitted insurers. Business Entities refer to the structure under which agents or brokers operate but do not specifically denote permission to place insurance with non-admitted insurers. Licensed Brokers may handle a variety of insurance needs but might not have the explicit authority to place coverage with non-admitted insurers unless they meet specific criteria, which are usually outlined in their licensing. Therefore, the designation of Surplus Lines Agent is distinct