California insurance agent icensing question: there are four categories: Life, Fire Casuality, ....? -

Personal Lines, and Bail. What does a Personal Lines Broker-Agent do/sell? I think the Life agent can sell health insurance and life? Fire sounds like fire insurance (duh) but that Personal Lines throws me. Any help? There are really TWO lines - Life accident health, AND, property casualty. A personal lines agent sells house insurance, car insurance, boat other personal type policies. NON BUSINESS insurance, that covers stuff, and if you get sued. Property, and Casualty (which means, liability). personal lines broker agent does auto motorcycle tennants that sort of stuff AUTHORIZING ACT: California State Insurance Code (CIC) Chapter 5, Part 2, Division 1. A personal lines (PL) licensee is a person authorized to transact automobile insurance, residential property insurance, including earthquake and flood insurance, personal watercraft insurance and umbrella or excess liability insurance providing coverage when written over one or more underlying automobile or residential property insurance policies, and a personal lines broker-agent license is a license so to act (CIC Section 1625.5). CA is a little different - as they have: BROKERS (typically represent the CONSUMER and can charge large brokerage fees, and usually do NOT have binding authority with their companies) and AGENTS (that are supposed to represent the COMPANY, are not SUPPOSED to charge broker fees, and can bind coverage with the companies that they represent.) A personal lines agent/broker normally sells coverages for personal automobiles/trucks, motorcycles, boats/yachts, homeowner/renter policies and the like. CA is also talking about introducing an AUTO ONLY license. Typically the Personal Lines agent/broker cannot sell any type of commercial exposure policy. I have even heard the license referred to as "license LITE!" For more licensing info, you might contact the The Alliance of Insurance Agents and Brokers (866) 497-9222 or the Latin American Agents Alliance (626) 444-0999 - you could also contact your Department of Insurance but the first two would be MY preference! Good luck and I hope this helps! Good luck and I hope this helps!