{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-1800.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-1800.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-1800.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-1800.html"}],"law_id":67482,"edition_id":1,"section_id":67482,"structure_id":14103,"section_number":"38.2-1800","catch_line":"Definitions","history":"1979, c. 513, \u00a7 38.1-327.1; 1981, c. 604; 1983, c. 480; 1984, c. 719; 1986, c. 562; 1987, cc. 520, 521; 1992, c. 586; 1994, cc. 106, 316; 1995, c. 167; 1998, cc. 16, 47, 164; 1999, cc. 86, 490, 493, 586; 2000, c. 526; 2001, c. 706; 2003, cc. 412, 717, 979; 2004, cc. 460, 668, 784; 2006, c. 410; 2011, c. 222; 2012, c. 447; 2013, cc. 203, 497; 2016, c. 250; 2022, cc. 131, 132; 2023, cc. 338, 339.","full_text":"As used in this chapter:\n\t\t“Agent,” “insurance agent,” “producer,” or “insurance producer,” when used without qualification, means an individual or business entity that sells, solicits, or negotiates contracts of insurance or annuity in the Commonwealth.\n\t\t“Appointed agent,” “appointed insurance agent,” “appointed producer,” or “appointed insurance producer,” when used without qualification, means an individual or business entity licensed in the Commonwealth to sell, solicit, or negotiate contracts of insurance or annuity of the classes authorized within the scope of such license and who is appointed by a company licensed in the Commonwealth to sell, solicit, or negotiate on its behalf contracts of insurance of the classes authorized within the scope of such license and, if authorized by the company, may collect premiums on those contracts.\n\t\t“Business entity” means a partnership, limited partnership, limited liability company, corporation, or other legal entity other than a sole proprietorship.\n\t\t“Dental plan organization authority” means the authority in the Commonwealth to sell, solicit, or negotiate dental benefit contracts on behalf of dental plan organizations licensed under Chapter 61 (\u00a7 38.2-6100 et seq.).\n\t\t“Dental services authority” means the authority in the Commonwealth to sell, solicit, or negotiate dental services plan contracts on behalf of dental services plans licensed under Chapter 45 (\u00a7 38.2-4500 et seq.).\n\t\t“Filed” means received by the Commission.\n\t\t“Health agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate insurance as defined in \u00a7\u00a7 38.2-107.2, 38.2-108, and 38.2-109, and including contracts issued by insurers, health services plans, health maintenance organizations, dental services plans, optometric services plans, and dental plan organizations licensed in the Commonwealth.\n\t\t“Home protection insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate home protection insurance as defined in \u00a7 38.2-129 on behalf of insurers licensed in the Commonwealth.\n\t\t“Home state” means the District of Columbia and any state or territory of the United States, except Virginia, or any province of Canada, in which an insurance producer maintains such person’s principal place of residence or principal place of business and is licensed by that jurisdiction to act as a resident insurance producer.\n\t\t“Legal services insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate legal services insurance as defined in \u00a7 38.2-127 on behalf of insurers licensed in the Commonwealth.\n\t\t“License” means a document issued by the Commission authorizing an individual or business entity to act as an insurance producer for the lines of authority specified in the document. Except as provided in \u00a7 38.2-1833, the license itself does not create any authority, actual, apparent or inherent, in the licensee to represent, commit, or bind an insurer.\n\t\t“Licensed agent,” “licensed insurance agent,” “licensed producer,” or “licensed insurance producer,” when used without qualification, means an individual or business entity licensed in the Commonwealth to sell, solicit, or negotiate contracts of insurance or annuity of the classes authorized within the scope of such license.\n\t\t“Life and annuities insurance agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate life insurance and annuity contracts as defined in \u00a7\u00a7 38.2-102, 38.2-103, 38.2-104, 38.2-105.1, 38.2-106, and 38.2-107.1, respectively, and family leave insurance as defined in \u00a7 38.2-107.2, on behalf of insurers licensed in the Commonwealth.\n\t\t“Limited burial insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate burial insurance society membership where the certificates of membership are used solely to fund preneed funeral contracts on any individual, on behalf of insurers licensed under Chapter 40 (\u00a7 38.2-4000 et seq.); or to represent an association referred to in \u00a7 38.2-3318.1, limited to soliciting members of that association for association group life insurance certificates where the funds are used solely to fund preneed funeral contracts.\n\t\t“Limited lines credit insurance agent” means an agent licensed in the Commonwealth whose authority is restricted to selling, soliciting, or negotiating, on behalf of insurers licensed in the Commonwealth, one or more of the following coverages to individuals through a master, corporate, group or individual policy: (i) credit life insurance and credit accident and sickness insurance, but only to the extent authorized in Chapter 37.1 (\u00a7 38.2-3717 et seq.); (ii) credit involuntary unemployment insurance as defined in \u00a7 38.2-122.1; (iii) credit property insurance, as defined in \u00a7 38.2-122.2; (iv) mortgage accident and sickness insurance; (v) mortgage redemption insurance; (vi) mortgage guaranty insurance; and (vii) any other form of insurance offered in connection with an extension of credit that is limited to partially or wholly extinguishing that credit obligation and that the Commission specifically determines may be sold, solicited, or negotiated by those holding a limited lines credit insurance agent license. Each insurer that sells, solicits or negotiates any of the coverages set forth in this definition shall provide to each individual whose duties will include selling, soliciting or negotiating such coverages a program of instruction that may, at the discretion of the Commission, be submitted for approval by the Commission or reviewed by the Commission subsequent to its implementation.\n\t\t“Limited lines life and health agent” means an individual or business entity authorized by the Commission whose license authority to sell, solicit, or negotiate is limited to the following, or any other type of authority that the Commission may deem it necessary to recognize for the purposes of complying with \u00a7 38.2-1836: dental services authority; limited burial insurance authority; mutual assessment life and health insurance authority; optometric services authority; and dental plan organization authority. Limited lines life and health insurance shall not include life insurance, health insurance, property insurance, casualty insurance, private family leave insurance, and title insurance.\n\t\t“Limited lines property and casualty agent” means an individual or business entity authorized by the Commission whose license authority to sell, solicit, or negotiate is limited to the following, or any other type of authority that the Commission may deem it necessary to recognize for the purposes of complying with \u00a7 38.2-1836: home protection insurance authority; legal services insurance authority; mutual assessment property and casualty insurance authority; ocean marine insurance authority; pet accident, sickness and hospitalization insurance authority; portable electronics insurance authority; self storage insurance authority; and travel insurance. Unless otherwise defined, “limited lines property and casualty insurance” shall not include life insurance, health insurance, property insurance, casualty insurance, private family leave insurance, and title insurance.\n\t\t“Mortgage accident and sickness insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mortgage accident and sickness insurance on behalf of insurers licensed in the Commonwealth.\n\t\t“Mortgage guaranty insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mortgage guaranty insurance on behalf of insurers licensed in the Commonwealth.\n\t\t“Mortgage redemption insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mortgage redemption insurance on behalf of insurers licensed in the Commonwealth. As used in this chapter, “mortgage redemption insurance” means a nonrenewable, nonconvertible, decreasing term life insurance policy written in connection with a mortgage transaction for a period of time coinciding with the term of the mortgage. The initial sum shall not exceed the amount of the indebtedness outstanding at the time the insurance becomes effective, rounded up to the next $1,000.\n\t\t“Motor vehicle rental contract enroller” means an unlicensed hourly or salaried employee of a motor vehicle rental company that is in the business of providing primarily private motor vehicles to the public under a rental agreement for a period of less than six months, and receives no direct or indirect commission from the insurer, the renter or the vehicle rental company.\n\t\t“Motor vehicle rental contract insurance agent” means a person who (i) is a selling agent of a motor vehicle rental company that is in the business of providing primarily private passenger motor vehicles to the public under a rental agreement for a period of less than six months and (ii) whose license in the Commonwealth is restricted to selling, soliciting, or negotiating only the following insurance coverages, and solely in connection with and incidental to the rental contract:\n\n1\n\nPersonal accident insurance that provides benefits in the event of accidental death or injury occurring during the rental period;2\n\nLiability coverage sold to the renter in excess of the rental company’s obligations under § 38.2-2204, 38.2-2205, or Title 46.2, as applicable;3\n\nPersonal effects insurance that provides coverages for the loss of or damage to the personal effects of the renter and other vehicle occupants while such personal effects are in or upon the rental vehicle during the rental period;4\n\nRoadside assistance and emergency sickness protection programs; and5\n\nOther travel-related or vehicle-related insurance coverage that a motor vehicle rental company offers in connection with and incidental to the rental of vehicles.\n\t\t\tThe term “motor vehicle rental contract insurance agent” does not include motor vehicle rental contract enrollers.\n\t\t\t“Mutual assessment life and health insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mutual assessment life and accident and sickness insurance on behalf of insurers licensed under Chapter 39 (§ 38.2-3900 et seq.), but only to the extent permitted under § 38.2-3919.\n\t\t\t“Mutual assessment property and casualty insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mutual assessment property and casualty insurance on behalf of insurers licensed under Chapter 25 (§ 38.2-2500 et seq.), but only to the extent permitted under § 38.2-2525.\n\t\t\t“NAIC” means the National Association of Insurance Commissioners.\n\t\t\t“Negotiate” means the act of conferring directly with or offering advice directly to a purchaser or prospective purchaser of a particular contract of insurance concerning any of the substantive benefits, terms or conditions of the contract, provided that the person engaged in that act either sells insurance or obtains insurance from insurers for purchasers.\n\t\t\t“Ocean marine insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate those classes of insurance classified in § 38.2-126, except those classes specifically classified as inland marine insurance, on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Optometric services authority” means the authority in the Commonwealth to sell, solicit, or negotiate optometric services plan contracts on behalf of optometric services plans licensed under Chapter 45 (§ 38.2-4500 et seq.).\n\t\t\t“Personal lines agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate insurance as defined in §§ 38.2-110 through 38.2-114, 38.2-116, 38.2-117, 38.2-118, 38.2-124, 38.2-125, 38.2-126, 38.2-129, 38.2-130, and 38.2-131 for transactions involving insurance primarily for personal, family, or household needs rather than for business or professional needs.\n\t\t\t“Pet accident, sickness and hospitalization insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate pet accident, sickness and hospitalization insurance on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Property and casualty insurance agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate both personal and commercial lines of insurance as defined in §§ 38.2-107.2, 38.2-110 through 38.2-122.2, and 38.2-124 through 38.2-134 on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Resident” means (i) an individual residing in Virginia; (ii) an individual residing outside of Virginia whose principal place of business is in Virginia, who is able to demonstrate to the satisfaction of the Commission that the laws of his home state prevent him from obtaining a resident agent license in that state, and who affirmatively chooses to qualify as and be treated as a resident of Virginia for purposes of licensing and continuing education, both in Virginia and in the state in which the individual resides, if applicable; (iii) a partnership duly formed and recorded in Virginia; (iv) a corporation incorporated and existing under the laws of Virginia; (v) a limited liability company organized and existing under the laws of Virginia; or (vi) a foreign business entity that is not licensed as a resident agent in any other jurisdiction, and that demonstrates to the satisfaction of the Commission that its principal place of business is within the Commonwealth of Virginia.\n\t\t\t“Restricted nonresident health agent” means a nonresident agent whose license authority in his home state does not include all of the authority granted under a health agent license in Virginia. The license issued to such agent shall authorize the agent to sell, solicit, or negotiate in Virginia, on behalf of insurers licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state.\n\t\t\t“Restricted nonresident life and annuities agent” means a nonresident agent whose license authority in his home state does not include all of the authority granted under a life and annuities agent license in Virginia. The license issued to such agent shall authorize the agent to sell, solicit, or negotiate in Virginia, on behalf of insurers licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state.\n\t\t\t“Restricted nonresident personal lines agent” means a nonresident agent whose license authority in his home state does not include all of the authority granted under a personal lines agent license in Virginia. The license issued to such agent shall authorize the agent to sell, solicit, or negotiate in Virginia, on behalf of insurers licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state.\n\t\t\t“Restricted nonresident property and casualty agent” means a nonresident agent whose license authority in his home state does not include all of the authority granted under a property and casualty agent license in Virginia. The license issued to such agent shall authorize the agent to sell, solicit, or negotiate in Virginia, on behalf of insurers licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state.\n\t\t\t“Sell” means to exchange a contract of insurance by any means, for money or its equivalent, on behalf of an insurer.\n\t\t\t“Settlement agent” means a person licensed as a title insurance agent and registered with the Virginia State Bar pursuant to Chapter 10 (§ 55.1-1000 et seq.) of Title 55.1.\n\t\t\t“Solicit” means attempting to sell insurance or asking or urging a person to apply for a particular class of insurance from one or more insurers.\n\t\t\t“Surety bail bondsman” means a person licensed as a surety bail bondsman pursuant to Article 11 (§ 9.1-185 et seq.) of Chapter 1 of Title 9.1.\n\t\t\t“Surplus lines broker” means a person licensed pursuant to Article 5.1 (§ 38.2-1857.1 et seq.) of this chapter, and who is thereby authorized to engage in the activities set forth in Chapter 48 (§ 38.2-4805.1 et seq.).\n\t\t\t“Terminate” means the cancellation of the relationship between an insurance producer and the insurer, or the termination of an insurance producer’s authority to transact insurance.\n\t\t\t“Title insurance agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate title insurance, and performing all of the services set forth in § 38.2-4601.1, on behalf of title insurance companies licensed under Chapter 46 (§ 38.2-4600 et seq.).\n\t\t\t“Uniform Application” means the current version of the NAIC Uniform Application for resident and nonresident producer licensing.\n\t\t\t“Uniform Business Entity Application” means the current version of the NAIC Uniform Business Entity Application for resident and nonresident business entities.\n\t\t\t“Variable contract agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate variable life insurance and variable annuity contracts on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Viatical settlement broker” means a person licensed pursuant to Chapter 60 (§ 38.2-6000 et seq.), in accordance with Article 6.1 (§ 38.2-1865.1 et seq.) of this chapter, and who is thereby authorized to engage in the activities set forth in Chapter 60 (§ 38.2-6000 et seq.).","order_by":null,"text":{"0":{"id":244512,"text":"As used in this chapter:\n\t\t“Agent,” “insurance agent,” “producer,” or “insurance producer,” when used without qualification, means an individual or business entity that sells, solicits, or negotiates contracts of insurance or annuity in the Commonwealth.\n\t\t“Appointed agent,” “appointed insurance agent,” “appointed producer,” or “appointed insurance producer,” when used without qualification, means an individual or business entity licensed in the Commonwealth to sell, solicit, or negotiate contracts of insurance or annuity of the classes authorized within the scope of such license and who is appointed by a company licensed in the Commonwealth to sell, solicit, or negotiate on its behalf contracts of insurance of the classes authorized within the scope of such license and, if authorized by the company, may collect premiums on those contracts.\n\t\t“Business entity” means a partnership, limited partnership, limited liability company, corporation, or other legal entity other than a sole proprietorship.\n\t\t“Dental plan organization authority” means the authority in the Commonwealth to sell, solicit, or negotiate dental benefit contracts on behalf of dental plan organizations licensed under Chapter 61 (\u00a7 38.2-6100 et seq.).\n\t\t“Dental services authority” means the authority in the Commonwealth to sell, solicit, or negotiate dental services plan contracts on behalf of dental services plans licensed under Chapter 45 (\u00a7 38.2-4500 et seq.).\n\t\t“Filed” means received by the Commission.\n\t\t“Health agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate insurance as defined in \u00a7\u00a7 38.2-107.2, 38.2-108, and 38.2-109, and including contracts issued by insurers, health services plans, health maintenance organizations, dental services plans, optometric services plans, and dental plan organizations licensed in the Commonwealth.\n\t\t“Home protection insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate home protection insurance as defined in \u00a7 38.2-129 on behalf of insurers licensed in the Commonwealth.\n\t\t“Home state” means the District of Columbia and any state or territory of the United States, except Virginia, or any province of Canada, in which an insurance producer maintains such person’s principal place of residence or principal place of business and is licensed by that jurisdiction to act as a resident insurance producer.\n\t\t“Legal services insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate legal services insurance as defined in \u00a7 38.2-127 on behalf of insurers licensed in the Commonwealth.\n\t\t“License” means a document issued by the Commission authorizing an individual or business entity to act as an insurance producer for the lines of authority specified in the document. Except as provided in \u00a7 38.2-1833, the license itself does not create any authority, actual, apparent or inherent, in the licensee to represent, commit, or bind an insurer.\n\t\t“Licensed agent,” “licensed insurance agent,” “licensed producer,” or “licensed insurance producer,” when used without qualification, means an individual or business entity licensed in the Commonwealth to sell, solicit, or negotiate contracts of insurance or annuity of the classes authorized within the scope of such license.\n\t\t“Life and annuities insurance agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate life insurance and annuity contracts as defined in \u00a7\u00a7 38.2-102, 38.2-103, 38.2-104, 38.2-105.1, 38.2-106, and 38.2-107.1, respectively, and family leave insurance as defined in \u00a7 38.2-107.2, on behalf of insurers licensed in the Commonwealth.\n\t\t“Limited burial insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate burial insurance society membership where the certificates of membership are used solely to fund preneed funeral contracts on any individual, on behalf of insurers licensed under Chapter 40 (\u00a7 38.2-4000 et seq.); or to represent an association referred to in \u00a7 38.2-3318.1, limited to soliciting members of that association for association group life insurance certificates where the funds are used solely to fund preneed funeral contracts.\n\t\t“Limited lines credit insurance agent” means an agent licensed in the Commonwealth whose authority is restricted to selling, soliciting, or negotiating, on behalf of insurers licensed in the Commonwealth, one or more of the following coverages to individuals through a master, corporate, group or individual policy: (i) credit life insurance and credit accident and sickness insurance, but only to the extent authorized in Chapter 37.1 (\u00a7 38.2-3717 et seq.); (ii) credit involuntary unemployment insurance as defined in \u00a7 38.2-122.1; (iii) credit property insurance, as defined in \u00a7 38.2-122.2; (iv) mortgage accident and sickness insurance; (v) mortgage redemption insurance; (vi) mortgage guaranty insurance; and (vii) any other form of insurance offered in connection with an extension of credit that is limited to partially or wholly extinguishing that credit obligation and that the Commission specifically determines may be sold, solicited, or negotiated by those holding a limited lines credit insurance agent license. Each insurer that sells, solicits or negotiates any of the coverages set forth in this definition shall provide to each individual whose duties will include selling, soliciting or negotiating such coverages a program of instruction that may, at the discretion of the Commission, be submitted for approval by the Commission or reviewed by the Commission subsequent to its implementation.\n\t\t“Limited lines life and health agent” means an individual or business entity authorized by the Commission whose license authority to sell, solicit, or negotiate is limited to the following, or any other type of authority that the Commission may deem it necessary to recognize for the purposes of complying with \u00a7 38.2-1836: dental services authority; limited burial insurance authority; mutual assessment life and health insurance authority; optometric services authority; and dental plan organization authority. Limited lines life and health insurance shall not include life insurance, health insurance, property insurance, casualty insurance, private family leave insurance, and title insurance.\n\t\t“Limited lines property and casualty agent” means an individual or business entity authorized by the Commission whose license authority to sell, solicit, or negotiate is limited to the following, or any other type of authority that the Commission may deem it necessary to recognize for the purposes of complying with \u00a7 38.2-1836: home protection insurance authority; legal services insurance authority; mutual assessment property and casualty insurance authority; ocean marine insurance authority; pet accident, sickness and hospitalization insurance authority; portable electronics insurance authority; self storage insurance authority; and travel insurance. Unless otherwise defined, “limited lines property and casualty insurance” shall not include life insurance, health insurance, property insurance, casualty insurance, private family leave insurance, and title insurance.\n\t\t“Mortgage accident and sickness insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mortgage accident and sickness insurance on behalf of insurers licensed in the Commonwealth.\n\t\t“Mortgage guaranty insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mortgage guaranty insurance on behalf of insurers licensed in the Commonwealth.\n\t\t“Mortgage redemption insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mortgage redemption insurance on behalf of insurers licensed in the Commonwealth. As used in this chapter, “mortgage redemption insurance” means a nonrenewable, nonconvertible, decreasing term life insurance policy written in connection with a mortgage transaction for a period of time coinciding with the term of the mortgage. The initial sum shall not exceed the amount of the indebtedness outstanding at the time the insurance becomes effective, rounded up to the next $1,000.\n\t\t“Motor vehicle rental contract enroller” means an unlicensed hourly or salaried employee of a motor vehicle rental company that is in the business of providing primarily private motor vehicles to the public under a rental agreement for a period of less than six months, and receives no direct or indirect commission from the insurer, the renter or the vehicle rental company.\n\t\t“Motor vehicle rental contract insurance agent” means a person who (i) is a selling agent of a motor vehicle rental company that is in the business of providing primarily private passenger motor vehicles to the public under a rental agreement for a period of less than six months and (ii) whose license in the Commonwealth is restricted to selling, soliciting, or negotiating only the following insurance coverages, and solely in connection with and incidental to the rental contract:","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"next_prefix":"1"},"1":{"id":244513,"text":"Personal accident insurance that provides benefits in the event of accidental death or injury occurring during the rental period;","type":"section","prefixes":["1"],"prefix":"1","entire_prefix":"1","prefix_anchor":"1","level":1,"prior_prefix":"","next_prefix":"2"},"2":{"id":244514,"text":"Liability coverage sold to the renter in excess of the rental company’s obligations under § 38.2-2204, 38.2-2205, or Title 46.2, as applicable;","type":"section","prefixes":["2"],"prefix":"2","entire_prefix":"2","prefix_anchor":"2","level":1,"prior_prefix":"1","next_prefix":"3"},"3":{"id":244515,"text":"Personal effects insurance that provides coverages for the loss of or damage to the personal effects of the renter and other vehicle occupants while such personal effects are in or upon the rental vehicle during the rental period;","type":"section","prefixes":["3"],"prefix":"3","entire_prefix":"3","prefix_anchor":"3","level":1,"prior_prefix":"2","next_prefix":"4"},"4":{"id":244516,"text":"Roadside assistance and emergency sickness protection programs; and","type":"section","prefixes":["4"],"prefix":"4","entire_prefix":"4","prefix_anchor":"4","level":1,"prior_prefix":"3","next_prefix":"5"},"5":{"id":244517,"text":"Other travel-related or vehicle-related insurance coverage that a motor vehicle rental company offers in connection with and incidental to the rental of vehicles.\n\t\t\tThe term “motor vehicle rental contract insurance agent” does not include motor vehicle rental contract enrollers.\n\t\t\t“Mutual assessment life and health insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mutual assessment life and accident and sickness insurance on behalf of insurers licensed under Chapter 39 (§ 38.2-3900 et seq.), but only to the extent permitted under § 38.2-3919.\n\t\t\t“Mutual assessment property and casualty insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate mutual assessment property and casualty insurance on behalf of insurers licensed under Chapter 25 (§ 38.2-2500 et seq.), but only to the extent permitted under § 38.2-2525.\n\t\t\t“NAIC” means the National Association of Insurance Commissioners.\n\t\t\t“Negotiate” means the act of conferring directly with or offering advice directly to a purchaser or prospective purchaser of a particular contract of insurance concerning any of the substantive benefits, terms or conditions of the contract, provided that the person engaged in that act either sells insurance or obtains insurance from insurers for purchasers.\n\t\t\t“Ocean marine insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate those classes of insurance classified in § 38.2-126, except those classes specifically classified as inland marine insurance, on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Optometric services authority” means the authority in the Commonwealth to sell, solicit, or negotiate optometric services plan contracts on behalf of optometric services plans licensed under Chapter 45 (§ 38.2-4500 et seq.).\n\t\t\t“Personal lines agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate insurance as defined in §§ 38.2-110 through 38.2-114, 38.2-116, 38.2-117, 38.2-118, 38.2-124, 38.2-125, 38.2-126, 38.2-129, 38.2-130, and 38.2-131 for transactions involving insurance primarily for personal, family, or household needs rather than for business or professional needs.\n\t\t\t“Pet accident, sickness and hospitalization insurance authority” means the authority in the Commonwealth to sell, solicit, or negotiate pet accident, sickness and hospitalization insurance on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Property and casualty insurance agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate both personal and commercial lines of insurance as defined in §§ 38.2-107.2, 38.2-110 through 38.2-122.2, and 38.2-124 through 38.2-134 on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Resident” means (i) an individual residing in Virginia; (ii) an individual residing outside of Virginia whose principal place of business is in Virginia, who is able to demonstrate to the satisfaction of the Commission that the laws of his home state prevent him from obtaining a resident agent license in that state, and who affirmatively chooses to qualify as and be treated as a resident of Virginia for purposes of licensing and continuing education, both in Virginia and in the state in which the individual resides, if applicable; (iii) a partnership duly formed and recorded in Virginia; (iv) a corporation incorporated and existing under the laws of Virginia; (v) a limited liability company organized and existing under the laws of Virginia; or (vi) a foreign business entity that is not licensed as a resident agent in any other jurisdiction, and that demonstrates to the satisfaction of the Commission that its principal place of business is within the Commonwealth of Virginia.\n\t\t\t“Restricted nonresident health agent” means a nonresident agent whose license authority in his home state does not include all of the authority granted under a health agent license in Virginia. The license issued to such agent shall authorize the agent to sell, solicit, or negotiate in Virginia, on behalf of insurers licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state.\n\t\t\t“Restricted nonresident life and annuities agent” means a nonresident agent whose license authority in his home state does not include all of the authority granted under a life and annuities agent license in Virginia. The license issued to such agent shall authorize the agent to sell, solicit, or negotiate in Virginia, on behalf of insurers licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state.\n\t\t\t“Restricted nonresident personal lines agent” means a nonresident agent whose license authority in his home state does not include all of the authority granted under a personal lines agent license in Virginia. The license issued to such agent shall authorize the agent to sell, solicit, or negotiate in Virginia, on behalf of insurers licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state.\n\t\t\t“Restricted nonresident property and casualty agent” means a nonresident agent whose license authority in his home state does not include all of the authority granted under a property and casualty agent license in Virginia. The license issued to such agent shall authorize the agent to sell, solicit, or negotiate in Virginia, on behalf of insurers licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state.\n\t\t\t“Sell” means to exchange a contract of insurance by any means, for money or its equivalent, on behalf of an insurer.\n\t\t\t“Settlement agent” means a person licensed as a title insurance agent and registered with the Virginia State Bar pursuant to Chapter 10 (§ 55.1-1000 et seq.) of Title 55.1.\n\t\t\t“Solicit” means attempting to sell insurance or asking or urging a person to apply for a particular class of insurance from one or more insurers.\n\t\t\t“Surety bail bondsman” means a person licensed as a surety bail bondsman pursuant to Article 11 (§ 9.1-185 et seq.) of Chapter 1 of Title 9.1.\n\t\t\t“Surplus lines broker” means a person licensed pursuant to Article 5.1 (§ 38.2-1857.1 et seq.) of this chapter, and who is thereby authorized to engage in the activities set forth in Chapter 48 (§ 38.2-4805.1 et seq.).\n\t\t\t“Terminate” means the cancellation of the relationship between an insurance producer and the insurer, or the termination of an insurance producer’s authority to transact insurance.\n\t\t\t“Title insurance agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate title insurance, and performing all of the services set forth in § 38.2-4601.1, on behalf of title insurance companies licensed under Chapter 46 (§ 38.2-4600 et seq.).\n\t\t\t“Uniform Application” means the current version of the NAIC Uniform Application for resident and nonresident producer licensing.\n\t\t\t“Uniform Business Entity Application” means the current version of the NAIC Uniform Business Entity Application for resident and nonresident business entities.\n\t\t\t“Variable contract agent” means an agent licensed in the Commonwealth to sell, solicit, or negotiate variable life insurance and variable annuity contracts on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Viatical settlement broker” means a person licensed pursuant to Chapter 60 (§ 38.2-6000 et seq.), in accordance with Article 6.1 (§ 38.2-1865.1 et seq.) of this chapter, and who is thereby authorized to engage in the activities set forth in Chapter 60 (§ 38.2-6000 et seq.).","type":"section","prefixes":["5"],"prefix":"5","entire_prefix":"5","prefix_anchor":"5","level":1,"prior_prefix":"4"}},"ancestry":[{"id":14103,"edition_id":1,"name":"Definitions and General Provisions","identifier":"1","label":"article","depth":3,"order_by":1,"parent_id":13203,"metadata":{},"date_created":"2026-06-26 03:46:53","date_modified":"2026-06-26 03:46:53","permalink":{"id":212413,"object_type":"structure","relational_id":14103,"identifier":"1","token":"38.2\/18\/1","url":"\/38.2\/18\/1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13203,"edition_id":1,"name":"Insurance Agents","identifier":"18","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:26","date_modified":"2026-06-26 03:44:26","permalink":{"id":212411,"object_type":"structure","relational_id":13203,"identifier":"18","token":"38.2\/18","url":"\/38.2\/18\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":67482,"structure_id":14103,"section_number":"38.2-1800","catch_line":"Definitions","url":"\/38.2-1800\/","token":"38.2\/18\/1\/38.2-1800","metadata":false},{"id":66272,"structure_id":14103,"section_number":"38.2-1800.1","catch_line":"Proof of residency","url":"\/38.2-1800.1\/","token":"38.2\/18\/1\/38.2-1800.1","metadata":false},{"id":76029,"structure_id":14103,"section_number":"38.2-1801","catch_line":"Person soliciting insurance deemed agent of insurer; prohibition against misrepresenting agency relationship","url":"\/38.2-1801\/","token":"38.2\/18\/1\/38.2-1801","metadata":false},{"id":77079,"structure_id":14103,"section_number":"38.2-1802","catch_line":"Acting as agent for unlicensed insurer prohibited; penalties","url":"\/38.2-1802\/","token":"38.2\/18\/1\/38.2-1802","metadata":false},{"id":76801,"structure_id":14103,"section_number":"38.2-1803","catch_line":"Repealed","url":"\/38.2-1803\/","token":"38.2\/18\/1\/38.2-1803","metadata":false},{"id":69797,"structure_id":14103,"section_number":"38.2-1804","catch_line":"Blank forms","url":"\/38.2-1804\/","token":"38.2\/18\/1\/38.2-1804","metadata":false},{"id":60505,"structure_id":14103,"section_number":"38.2-1805","catch_line":"Acceptance by insurance agents of premiums in arrears; how advance premiums recorded","url":"\/38.2-1805\/","token":"38.2\/18\/1\/38.2-1805","metadata":false},{"id":83261,"structure_id":14103,"section_number":"38.2-1806","catch_line":"Interest with respect to credit extended or money lent for premiums on certain policies","url":"\/38.2-1806\/","token":"38.2\/18\/1\/38.2-1806","metadata":false},{"id":72532,"structure_id":14103,"section_number":"38.2-1807","catch_line":"Repealed","url":"\/38.2-1807\/","token":"38.2\/18\/1\/38.2-1807","metadata":false},{"id":65536,"structure_id":14103,"section_number":"38.2-1808","catch_line":"All agreements to be expressed in contract","url":"\/38.2-1808\/","token":"38.2\/18\/1\/38.2-1808","metadata":false},{"id":59462,"structure_id":14103,"section_number":"38.2-1809","catch_line":"Power of Commission to investigate affairs of persons engaged in insurance business; penalties for refusal to permit investigation","url":"\/38.2-1809\/","token":"38.2\/18\/1\/38.2-1809","metadata":false},{"id":77150,"structure_id":14103,"section_number":"38.2-1810","catch_line":"Report of acts deemed larceny under \u00a7 18.2-111; privileged communications; attorney for the Commonwealth to be informed","url":"\/38.2-1810\/","token":"38.2\/18\/1\/38.2-1810","metadata":false},{"id":85445,"structure_id":14103,"section_number":"38.2-1811","catch_line":"Repealed","url":"\/38.2-1811\/","token":"38.2\/18\/1\/38.2-1811","metadata":false},{"id":87107,"structure_id":14103,"section_number":"38.2-1812","catch_line":"Payment and sharing of commissions","url":"\/38.2-1812\/","token":"38.2\/18\/1\/38.2-1812","metadata":false},{"id":57682,"structure_id":14103,"section_number":"38.2-1812.1","catch_line":"Placement of insurance for public bodies","url":"\/38.2-1812.1\/","token":"38.2\/18\/1\/38.2-1812.1","metadata":false},{"id":66943,"structure_id":14103,"section_number":"38.2-1812.2","catch_line":"Administrative charges in excess of premium prohibited; exceptions","url":"\/38.2-1812.2\/","token":"38.2\/18\/1\/38.2-1812.2","metadata":false},{"id":55233,"structure_id":14103,"section_number":"38.2-1813","catch_line":"Reporting and accounting for premiums","url":"\/38.2-1813\/","token":"38.2\/18\/1\/38.2-1813","metadata":false}],"next_section":{"id":66272,"structure_id":14103,"section_number":"38.2-1800.1","catch_line":"Proof of residency","url":"\/38.2-1800.1\/","token":"38.2\/18\/1\/38.2-1800.1","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-1800\/","history_text":"

This law was first created in 1979. The record of its establishment is cataloged in chapter 513 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1979 \u201cActs\u201d aren\u2019t available online. It has been modified 21 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1981, chapter 604; in 1983, chapter 480; in 1984, chapter 719; in 1986, chapter 562; in 1987, chapters 520 and 521; in 1992, chapter 586; in 1994, chapters 106<\/a> and 316<\/a>; in 1995, chapter 167<\/a>; in 1998, chapters 16<\/a>, 47<\/a>, and 164<\/a>; in 1999, chapters 86<\/a>, 490<\/a>, 493<\/a>, and 586<\/a>; in 2000, chapter 526<\/a>; in 2001, chapter 706<\/a>; in 2003, chapters 412<\/a>, 717<\/a>, and 979<\/a>; in 2004, chapters 460<\/a>, 668<\/a>, and 784<\/a>; in 2006, chapter 410<\/a>; in 2011, chapter 222<\/a>; in 2012, chapter 447<\/a>; in 2013, chapters 203<\/a> and 497<\/a>; in 2016, chapter 250<\/a>; in 2022, chapters 131<\/a> and 132<\/a>; in 2023, chapters 338<\/a> and 339<\/a>.<\/p>","references":[{"id":81089,"section_number":"19.2-389","catch_line":"(Effective July 1, 2026) Dissemination of criminal history record information","order_by":null,"url":"\/19.2-389\/"},{"id":84358,"section_number":"38.2-1341","catch_line":"Definitions","order_by":null,"url":"\/38.2-1341\/"},{"id":69357,"section_number":"38.2-1346","catch_line":"Licensure","order_by":null,"url":"\/38.2-1346\/"},{"id":87094,"section_number":"38.2-1355","catch_line":"Examination authority","order_by":null,"url":"\/38.2-1355\/"},{"id":57894,"section_number":"38.2-1361","catch_line":"Duties of insurers utilizing managing general agents","order_by":null,"url":"\/38.2-1361\/"},{"id":54417,"section_number":"38.2-1362","catch_line":"Examination authority","order_by":null,"url":"\/38.2-1362\/"},{"id":87107,"section_number":"38.2-1812","catch_line":"Payment and sharing of commissions","order_by":null,"url":"\/38.2-1812\/"},{"id":67300,"section_number":"38.2-1836","catch_line":"Licensing nonresidents; reciprocal agreements with other states and Canadian provinces","order_by":null,"url":"\/38.2-1836\/"},{"id":57006,"section_number":"38.2-1845","catch_line":"Licensing nonresidents; reciprocal agreements with other states and Canadian provinces","order_by":null,"url":"\/38.2-1845\/"},{"id":55063,"section_number":"38.2-1857.2","catch_line":"Applications for surplus lines broker license; fee required; fingerprinting","order_by":null,"url":"\/38.2-1857.2\/"},{"id":61893,"section_number":"38.2-1857.9","catch_line":"Licensing nonresidents; clerk of the Commission to be appointed agent for service of process; reciprocal agreements with other states and Canadian provinces","order_by":null,"url":"\/38.2-1857.9\/"},{"id":80106,"section_number":"38.2-1865.4","catch_line":"Licensing nonresidents; reciprocal agreements with other states and Canadian provinces","order_by":null,"url":"\/38.2-1865.4\/"},{"id":69354,"section_number":"38.2-221.3","catch_line":"Confidentiality of applications and investigations","order_by":null,"url":"\/38.2-221.3\/"},{"id":75114,"section_number":"38.2-3321.1","catch_line":"Requirements for those marketing group life insurance","order_by":null,"url":"\/38.2-3321.1\/"},{"id":64550,"section_number":"38.2-3455","catch_line":"Definitions","order_by":null,"url":"\/38.2-3455\/"},{"id":59982,"section_number":"38.2-3523.3","catch_line":"Requirements for those marketing group accident and sickness insurance","order_by":null,"url":"\/38.2-3523.3\/"},{"id":78302,"section_number":"38.2-3552","catch_line":"Small employer health group cooperatives","order_by":null,"url":"\/38.2-3552\/"},{"id":63261,"section_number":"38.2-3734","catch_line":"License requirements","order_by":null,"url":"\/38.2-3734\/"},{"id":60457,"section_number":"38.2-3919","catch_line":"Agents' licenses required","order_by":null,"url":"\/38.2-3919\/"},{"id":65309,"section_number":"38.2-4123","catch_line":"Exemptions","order_by":null,"url":"\/38.2-4123\/"},{"id":55877,"section_number":"38.2-4132","catch_line":"Licensing of agents","order_by":null,"url":"\/38.2-4132\/"},{"id":55347,"section_number":"38.2-4214","catch_line":"Application of certain provisions of law","order_by":null,"url":"\/38.2-4214\/"},{"id":67952,"section_number":"38.2-4319","catch_line":"Statutory construction and relationship to other laws","order_by":null,"url":"\/38.2-4319\/"},{"id":62548,"section_number":"38.2-4509","catch_line":"Application of certain laws","order_by":null,"url":"\/38.2-4509\/"},{"id":65120,"section_number":"38.2-4601.1","catch_line":"Title insurance agency or agent defined","order_by":null,"url":"\/38.2-4601.1\/"},{"id":56879,"section_number":"38.2-4815","catch_line":"Effect on other provisions of Title 38.2","order_by":null,"url":"\/38.2-4815\/"},{"id":68759,"section_number":"38.2-513.1","catch_line":"Insurance sales by depository institutions and other lending institutions","order_by":null,"url":"\/38.2-513.1\/"},{"id":73837,"section_number":"38.2-602","catch_line":"Definitions","order_by":null,"url":"\/38.2-602\/"},{"id":62574,"section_number":"38.2-6112","catch_line":"Licensing of agents","order_by":null,"url":"\/38.2-6112\/"},{"id":64871,"section_number":"38.2-627","catch_line":"Powers and duties of the Commission; exclusive state standards","order_by":null,"url":"\/38.2-627\/"},{"id":75766,"section_number":"38.2-6500","catch_line":"Definitions","order_by":null,"url":"\/38.2-6500\/"},{"id":60517,"section_number":"38.2-808","catch_line":"Definition","order_by":null,"url":"\/38.2-808\/"},{"id":64445,"section_number":"52-36","catch_line":"Definitions","order_by":null,"url":"\/52-36\/"},{"id":86091,"section_number":"54.1-2822","catch_line":"Deposit of money received pursuant to preneed funeral contract","order_by":null,"url":"\/54.1-2822\/"},{"id":77232,"section_number":"55.1-1003","catch_line":"Persons who may act as a settlement agent","order_by":null,"url":"\/55.1-1003\/"},{"id":62570,"section_number":"6.2-1001","catch_line":"Entities authorized to engage in trust business","order_by":null,"url":"\/6.2-1001\/"},{"id":58014,"section_number":"6.2-803","catch_line":"Entities authorized to engage in banking business","order_by":null,"url":"\/6.2-803\/"},{"id":62818,"section_number":"65.2-803.1","catch_line":"Requirements for registration as professional employer organization; annual assessment","order_by":null,"url":"\/65.2-803.1\/"}],"refers_to":[{"id":57209,"section_number":"38.2-102","catch_line":"Life","order_by":null,"url":"\/38.2-102\/"},{"id":76182,"section_number":"38.2-103","catch_line":"Credit life","order_by":null,"url":"\/38.2-103\/"},{"id":67449,"section_number":"38.2-104","catch_line":"Industrial life","order_by":null,"url":"\/38.2-104\/"},{"id":62859,"section_number":"38.2-105.1","catch_line":"Modified guaranteed life insurance","order_by":null,"url":"\/38.2-105.1\/"},{"id":87220,"section_number":"38.2-106","catch_line":"Annuities","order_by":null,"url":"\/38.2-106\/"},{"id":56142,"section_number":"38.2-107.1","catch_line":"Modified guaranteed annuity","order_by":null,"url":"\/38.2-107.1\/"},{"id":67077,"section_number":"38.2-107.2","catch_line":"Private family leave insurance","order_by":null,"url":"\/38.2-107.2\/"},{"id":62263,"section_number":"38.2-108","catch_line":"Credit accident and sickness","order_by":null,"url":"\/38.2-108\/"},{"id":75359,"section_number":"38.2-109","catch_line":"Accident and sickness","order_by":null,"url":"\/38.2-109\/"},{"id":56505,"section_number":"38.2-110","catch_line":"Fire","order_by":null,"url":"\/38.2-110\/"},{"id":58243,"section_number":"38.2-114","catch_line":"Glass insurance","order_by":null,"url":"\/38.2-114\/"},{"id":65377,"section_number":"38.2-116","catch_line":"Animal","order_by":null,"url":"\/38.2-116\/"},{"id":83683,"section_number":"38.2-117","catch_line":"Personal injury liability","order_by":null,"url":"\/38.2-117\/"},{"id":58741,"section_number":"38.2-118","catch_line":"Property damage liability","order_by":null,"url":"\/38.2-118\/"},{"id":69638,"section_number":"38.2-122.1","catch_line":"Credit involuntary unemployment insurance","order_by":null,"url":"\/38.2-122.1\/"},{"id":69580,"section_number":"38.2-122.2","catch_line":"Credit property insurance","order_by":null,"url":"\/38.2-122.2\/"},{"id":66976,"section_number":"38.2-124","catch_line":"Motor vehicle","order_by":null,"url":"\/38.2-124\/"},{"id":66153,"section_number":"38.2-125","catch_line":"Aircraft","order_by":null,"url":"\/38.2-125\/"},{"id":63990,"section_number":"38.2-126","catch_line":"Marine","order_by":null,"url":"\/38.2-126\/"},{"id":65571,"section_number":"38.2-127","catch_line":"Legal services insurance","order_by":null,"url":"\/38.2-127\/"},{"id":57616,"section_number":"38.2-129","catch_line":"Home protection insurance","order_by":null,"url":"\/38.2-129\/"},{"id":75005,"section_number":"38.2-130","catch_line":"Homeowners insurance","order_by":null,"url":"\/38.2-130\/"},{"id":79979,"section_number":"38.2-131","catch_line":"Farmowners insurance","order_by":null,"url":"\/38.2-131\/"},{"id":74943,"section_number":"38.2-134","catch_line":"Definitions to include other insurance of same general kind","order_by":null,"url":"\/38.2-134\/"},{"id":56139,"section_number":"38.2-1833","catch_line":"Appointments of agents","order_by":null,"url":"\/38.2-1833\/"},{"id":67300,"section_number":"38.2-1836","catch_line":"Licensing nonresidents; reciprocal agreements with other states and Canadian provinces","order_by":null,"url":"\/38.2-1836\/"},{"id":63256,"section_number":"38.2-1857.1","catch_line":"Property and casualty insurance agents may be licensed as surplus lines brokers for certain insurance from eligible nonadmitted insurers","order_by":null,"url":"\/38.2-1857.1\/"},{"id":71463,"section_number":"38.2-1865.1","catch_line":"License required for viatical settlement brokers; Commission's authority; conditions; renewal application and fee; reinstatement; waiver; fingerprinting","order_by":null,"url":"\/38.2-1865.1\/"},{"id":70028,"section_number":"38.2-2204","catch_line":"Liability insurance on motor vehicles, aircraft, and watercraft; standard provisions; \"omnibus clause.\"","order_by":null,"url":"\/38.2-2204\/"},{"id":56297,"section_number":"38.2-2205","catch_line":"Liability insurance on motor vehicles; standard provisions; applicability of other valid and collectible insurance","order_by":null,"url":"\/38.2-2205\/"},{"id":86737,"section_number":"38.2-2500","catch_line":"Scope of chapter","order_by":null,"url":"\/38.2-2500\/"},{"id":71959,"section_number":"38.2-2525","catch_line":"Agents licenses required","order_by":null,"url":"\/38.2-2525\/"},{"id":72251,"section_number":"38.2-3318.1","catch_line":"Group life insurance requirements","order_by":null,"url":"\/38.2-3318.1\/"},{"id":78738,"section_number":"38.2-3717","catch_line":"Scope","order_by":null,"url":"\/38.2-3717\/"},{"id":85422,"section_number":"38.2-3900","catch_line":"Scope of chapter","order_by":null,"url":"\/38.2-3900\/"},{"id":60457,"section_number":"38.2-3919","catch_line":"Agents' licenses required","order_by":null,"url":"\/38.2-3919\/"},{"id":65613,"section_number":"38.2-4000","catch_line":"Societies to which chapter applies","order_by":null,"url":"\/38.2-4000\/"},{"id":59325,"section_number":"38.2-4500","catch_line":"Applicability of chapter","order_by":null,"url":"\/38.2-4500\/"},{"id":60163,"section_number":"38.2-4600","catch_line":"Class of insurance and insurance companies to which chapter applies","order_by":null,"url":"\/38.2-4600\/"},{"id":65120,"section_number":"38.2-4601.1","catch_line":"Title insurance agency or agent defined","order_by":null,"url":"\/38.2-4601.1\/"},{"id":54697,"section_number":"38.2-4805.1","catch_line":"Application of chapter","order_by":null,"url":"\/38.2-4805.1\/"},{"id":85466,"section_number":"38.2-6000","catch_line":"Definitions","order_by":null,"url":"\/38.2-6000\/"},{"id":64365,"section_number":"38.2-6100","catch_line":"Applicability of chapter","order_by":null,"url":"\/38.2-6100\/"},{"id":80642,"section_number":"55.1-1000","catch_line":"Definitions","order_by":null,"url":"\/55.1-1000\/"},{"id":79481,"section_number":"9.1-185","catch_line":"Definitions","order_by":null,"url":"\/9.1-185\/"}],"permalink":{"id":212415,"object_type":"law","relational_id":67482,"identifier":"38.2-1800","token":"38.2\/18\/1\/38.2-1800","url":"\/38.2-1800\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-1800\/","token":"38.2\/18\/1\/38.2-1800","dublin_core":{"Title":"Definitions","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-1800","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

As used in this chapter:\n\t\t“Agent,” “insurance agent,” “producer,” or “insurance producer,” when used without qualification, means an individual or business entity<\/span> that sells<\/span>, solicits<\/span>, or negotiates<\/span> contracts<\/span> of insurance or annuity in the Commonwealth.\n\t\t“Appointed agent,” “appointed insurance agent,” “appointed producer,” or “appointed insurance producer,” when used without qualification, means an individual or business entity<\/span> licensed in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> contracts<\/span> of insurance or annuity of the classes authorized within the scope of such license<\/span> and who is appointed by a company<\/span> licensed in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> on its behalf contracts<\/span> of insurance of the classes authorized within the scope of such license<\/span> and, if authorized by the company<\/span>, may collect premiums on those contracts<\/span>.\n\t\t“Business entity<\/span>” means a partnership, limited partnership, limited liability company<\/span>, corporation, or other legal entity other than a sole proprietorship.\n\t\t“Dental plan organization authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> dental benefit contracts<\/span> on behalf of dental plan organizations licensed under Chapter 61 (\u00a7 38.2-6100<\/a> et seq.).\n\t\t“Dental services authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> dental services plan contracts<\/span> on behalf of dental services plans licensed under Chapter 45 (\u00a7 38.2-4500<\/a> et seq.).\n\t\t“Filed<\/span>” means received by the Commission<\/span>.\n\t\t“Health agent” means an agent licensed in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> insurance as defined in \u00a7\u00a7  38.2-107.2<\/a>, 38.2-108<\/a>, and 38.2-109<\/a>, and including contracts<\/span> issued by insurers<\/span>, health services plans<\/span>, health maintenance organizations, dental services plans, optometric services plans, and dental plan organizations licensed in the Commonwealth.\n\t\t“Home protection insurance authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> home protection insurance as defined in \u00a7 38.2-129<\/a> on behalf of insurers<\/span> licensed in the Commonwealth.\n\t\t“Home state<\/span>” means the District of Columbia and any state or territory of the United States<\/span>, except Virginia, or any province of Canada, in which an insurance producer maintains such person<\/span>’s principal place of residence or principal place of business and is licensed by that jurisdiction<\/span> to act as a resident<\/span> insurance producer.\n\t\t“Legal services insurance authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> legal services insurance as defined in \u00a7 38.2-127<\/a> on behalf of insurers<\/span> licensed in the Commonwealth.\n\t\t“License<\/span>” means a document issued by the Commission<\/span> authorizing an individual or business entity<\/span> to act as an insurance producer for the lines of authority specified in the document. Except as provided in \u00a7 38.2-1833<\/a>, the license<\/span> itself does not create any authority, actual, apparent or inherent, in the licensee to represent, commit, or bind an insurer<\/span>.\n\t\t“Licensed agent,” “licensed insurance agent,” “licensed producer,” or “licensed insurance producer,” when used without qualification, means an individual or business entity<\/span> licensed in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> contracts<\/span> of insurance or annuity of the classes authorized within the scope of such license<\/span>.\n\t\t“Life and annuities insurance agent<\/span>” means an agent licensed in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> life insurance and annuity contracts<\/span> as defined in \u00a7\u00a7 38.2-102<\/a>, 38.2-103<\/a>, 38.2-104<\/a>, 38.2-105.1<\/a>, 38.2-106<\/a>, and 38.2-107.1<\/a>, respectively, and family leave insurance as defined in \u00a7 38.2-107.2<\/a>, on behalf of insurers<\/span> licensed in the Commonwealth.\n\t\t“Limited burial insurance authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> burial insurance society membership where the certificates of membership are used solely to fund preneed funeral contracts<\/span> on any individual, on behalf of insurers<\/span> licensed under Chapter 40 (\u00a7 38.2-4000<\/a> et seq.); or to represent an association referred to in \u00a7 38.2-3318.1<\/a>, limited to soliciting members of that association for association group life insurance certificates where the funds are used solely to fund preneed funeral contracts<\/span>.\n\t\t“Limited lines credit insurance agent<\/span>” means an agent licensed in the Commonwealth whose authority is restricted to selling, soliciting, or negotiating, on behalf of insurers<\/span> licensed in the Commonwealth, one or more of the following coverages to individuals through a master, corporate, group or individual policy: (i) credit life insurance and credit accident and sickness insurance, but only to the extent authorized in Chapter 37.1 (\u00a7 38.2-3717<\/a> et seq.); (ii) credit involuntary unemployment insurance as defined in \u00a7 38.2-122.1<\/a>; (iii) credit property insurance, as defined in \u00a7 38.2-122.2<\/a>; (iv) mortgage accident and sickness insurance; (v) mortgage redemption insurance<\/span>; (vi) mortgage guaranty insurance; and (vii) any other form of insurance offered in connection with an extension of credit that is limited to partially or wholly extinguishing that credit obligation and that the Commission<\/span> specifically determines may be sold, solicited, or negotiated by those holding a limited lines credit insurance agent<\/span> license<\/span>. Each insurer<\/span> that sells<\/span>, solicits<\/span> or negotiates<\/span> any of the coverages set forth in this definition shall provide to each individual whose duties will include selling, soliciting or negotiating such coverages a program of instruction that may, at the discretion of the Commission<\/span>, be submitted for approval by the Commission<\/span> or reviewed by the Commission<\/span> subsequent to its implementation.\n\t\t“Limited lines life and health agent<\/span>” means an individual or business entity<\/span> authorized by the Commission<\/span> whose license<\/span> authority to sell<\/span>, solicit<\/span>, or negotiate<\/span> is limited to the following, or any other type of authority that the Commission<\/span> may deem it necessary to recognize for the purposes of complying with \u00a7 38.2-1836<\/a>: dental services authority<\/span>; limited burial insurance authority<\/span>; mutual assessment life and health insurance authority<\/span>; optometric services authority<\/span>; and dental plan organization authority<\/span>. Limited lines life and health insurance shall not include life insurance, health insurance, property insurance, casualty insurance, private family leave insurance, and title insurance.\n\t\t“Limited lines property and casualty agent<\/span>” means an individual or business entity<\/span> authorized by the Commission<\/span> whose license<\/span> authority to sell<\/span>, solicit<\/span>, or negotiate<\/span> is limited to the following, or any other type of authority that the Commission<\/span> may deem it necessary to recognize for the purposes of complying with \u00a7 38.2-1836<\/a>: home protection insurance authority<\/span>; legal services insurance authority<\/span>; mutual assessment property and casualty insurance authority<\/span>; ocean marine insurance authority<\/span>; pet accident, sickness and hospitalization insurance authority<\/span>; portable electronics insurance authority; self storage insurance authority; and travel insurance. Unless otherwise defined, “limited lines property and casualty insurance<\/span>” shall not include life insurance, health insurance, property insurance, casualty insurance, private family leave insurance, and title insurance.\n\t\t“Mortgage accident and sickness insurance authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> mortgage accident and sickness insurance on behalf of insurers<\/span> licensed in the Commonwealth.\n\t\t“Mortgage guaranty insurance authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> mortgage guaranty insurance on behalf of insurers<\/span> licensed in the Commonwealth.\n\t\t“Mortgage redemption insurance<\/span> authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> mortgage redemption insurance<\/span> on behalf of insurers<\/span> licensed in the Commonwealth. As used in this chapter, “mortgage redemption insurance<\/span>” means a nonrenewable, nonconvertible, decreasing term life insurance policy written in connection with a mortgage transaction for a period of time coinciding with the term of the mortgage. The initial sum shall not exceed the amount of the indebtedness outstanding at the time the insurance becomes effective, rounded up to the next $1,000.\n\t\t“Motor vehicle rental contract enroller<\/span>” means an unlicensed hourly or salaried employee of a motor vehicle rental company<\/span> that is in the business of providing primarily private motor vehicles to the public under a rental agreement for a period of less than six months, and receives no direct or indirect commission<\/span> from the insurer<\/span>, the renter or the vehicle rental company<\/span>.\n\t\t“Motor vehicle rental contract insurance agent<\/span>” means a person<\/span> who (i) is a selling agent of a motor vehicle rental company<\/span> that is in the business of providing primarily private passenger motor vehicles to the public under a rental agreement for a period of less than six months and (ii) whose license<\/span> in the Commonwealth is restricted to selling, soliciting, or negotiating only the following insurance coverages, and solely in connection with and incidental to the rental contract:<\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Personal accident insurance that provides benefits in the event of accidental death or injury occurring during the rental period; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> Liability coverage sold to the renter in excess of the rental company<\/span>’s obligations under § 38.2-2204<\/a>, 38.2-2205<\/a>, or Title 46.2, as applicable; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> Personal effects insurance that provides coverages for the loss of or damage to the personal effects of the renter and other vehicle occupants while such personal effects are in or upon the rental vehicle during the rental period; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> Roadside assistance and emergency sickness protection programs; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

5.<\/span> Other travel-related or vehicle-related insurance coverage that a motor vehicle rental company<\/span> offers in connection with and incidental to the rental of vehicles.\n\t\t\tThe term “motor vehicle rental contract insurance agent<\/span>” does not include motor vehicle rental contract enrollers<\/span>.\n\t\t\t“Mutual assessment life and health insurance authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> mutual assessment life and accident and sickness insurance on behalf of insurers<\/span> licensed under Chapter 39 (§ 38.2-3900<\/a> et seq.), but only to the extent permitted under § 38.2-3919<\/a>.\n\t\t\t“Mutual assessment property and casualty insurance authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> mutual assessment property and casualty insurance on behalf of insurers<\/span> licensed under Chapter 25 (§ 38.2-2500<\/a> et seq.), but only to the extent permitted under § 38.2-2525<\/a>.\n\t\t\t“NAIC<\/span>” means the National Association of Insurance Commissioners<\/span>.\n\t\t\t“Negotiate<\/span>” means the act of conferring directly with or offering advice directly to a purchaser or prospective purchaser of a particular contract of insurance concerning any of the substantive benefits, terms or conditions of the contract, provided that the person<\/span> engaged in that act either sells<\/span> insurance or obtains insurance from insurers<\/span> for purchasers.\n\t\t\t“Ocean marine insurance authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> those classes of insurance classified in § 38.2-126<\/a>, except those classes specifically classified as inland marine insurance, on behalf of insurers<\/span> licensed in the Commonwealth.\n\t\t\t“Optometric services authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> optometric services plan contracts<\/span> on behalf of optometric services plans licensed under Chapter 45 (§ 38.2-4500<\/a> et seq.).\n\t\t\t“Personal lines agent<\/span>” means an agent licensed in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> insurance as defined in §§ 38.2-110<\/a> through 38.2-114<\/a>, 38.2-116<\/a>, 38.2-117<\/a>, 38.2-118<\/a>, 38.2-124<\/a>, 38.2-125<\/a>, 38.2-126<\/a>, 38.2-129<\/a>, 38.2-130<\/a>, and 38.2-131<\/a> for transactions involving insurance primarily for personal, family, or household needs rather than for business or professional needs.\n\t\t\t“Pet accident, sickness and hospitalization insurance authority<\/span>” means the authority in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> pet accident, sickness and hospitalization insurance on behalf of insurers<\/span> licensed in the Commonwealth.\n\t\t\t“Property and casualty insurance agent<\/span>” means an agent licensed in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> both personal and commercial lines of insurance as defined in §§ 38.2-107.2<\/a>, 38.2-110<\/a> through 38.2-122.2<\/a>, and 38.2-124<\/a> through 38.2-134<\/a> on behalf of insurers<\/span> licensed in the Commonwealth.\n\t\t\t“Resident<\/span>” means (i) an individual residing in Virginia; (ii) an individual residing outside of Virginia whose principal place of business is in Virginia, who is able to demonstrate to the satisfaction of the Commission<\/span> that the laws<\/span> of his home state<\/span> prevent him from obtaining a resident<\/span> agent license<\/span> in that state, and who affirmatively chooses to qualify as and be treated as a resident<\/span> of Virginia for purposes of licensing and continuing education, both in Virginia and in the state in which the individual resides, if applicable; (iii) a partnership duly formed and recorded in Virginia; (iv) a corporation incorporated and existing under the laws<\/span> of Virginia; (v) a limited liability company<\/span> organized and existing under the laws<\/span> of Virginia; or (vi) a foreign business entity that is not licensed as a resident<\/span> agent in any other jurisdiction<\/span>, and that demonstrates to the satisfaction of the Commission<\/span> that its principal place of business is within the Commonwealth of Virginia.\n\t\t\t“Restricted nonresident health agent<\/span>” means a nonresident agent whose license<\/span> authority in his home state<\/span> does not include all of the authority granted under a health agent license<\/span> in Virginia. The license<\/span> issued to such agent shall authorize the agent to sell<\/span>, solicit<\/span>, or negotiate<\/span> in Virginia, on behalf of insurers<\/span> licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state<\/span>.\n\t\t\t“Restricted nonresident life and annuities agent<\/span>” means a nonresident agent whose license<\/span> authority in his home state<\/span> does not include all of the authority granted under a life and annuities agent license<\/span> in Virginia. The license<\/span> issued to such agent shall authorize the agent to sell<\/span>, solicit<\/span>, or negotiate<\/span> in Virginia, on behalf of insurers<\/span> licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state<\/span>.\n\t\t\t“Restricted nonresident personal lines agent<\/span><\/span>” means a nonresident agent whose license<\/span> authority in his home state<\/span> does not include all of the authority granted under a personal lines agent<\/span> license<\/span> in Virginia. The license<\/span> issued to such agent shall authorize the agent to sell<\/span>, solicit<\/span>, or negotiate<\/span> in Virginia, on behalf of insurers<\/span> licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state<\/span>.\n\t\t\t“Restricted nonresident property and casualty agent<\/span>” means a nonresident agent whose license<\/span> authority in his home state<\/span> does not include all of the authority granted under a property and casualty agent license<\/span> in Virginia. The license<\/span> issued to such agent shall authorize the agent to sell<\/span>, solicit<\/span>, or negotiate<\/span> in Virginia, on behalf of insurers<\/span> licensed in Virginia, only those kinds or classes of insurance for which the agent is authorized in his home state<\/span>.\n\t\t\t“Sell<\/span>” means to exchange a contract of insurance by any means, for money or its equivalent, on behalf of an insurer<\/span>.\n\t\t\t“Settlement agent<\/span>” means a person<\/span> licensed as a title insurance agent<\/span> and registered with the Virginia State Bar pursuant to Chapter 10 (§ 55.1-1000<\/a> et seq.) of Title 55.1.\n\t\t\t“Solicit<\/span>” means attempting to sell<\/span> insurance or asking or urging a person<\/span> to apply for a particular class of insurance from one or more insurers<\/span>.\n\t\t\t“Surety bail bondsman<\/span>” means a person<\/span> licensed as a surety bail bondsman<\/span> pursuant to Article 11 (§ 9.1-185<\/a> et seq.) of Chapter 1 of Title 9.1.\n\t\t\t“Surplus lines broker<\/span>” means a person<\/span> licensed pursuant to Article 5.1 (§ 38.2-1857.1<\/a> et seq.) of this chapter, and who is thereby authorized to engage in the activities set forth in Chapter 48 (§ 38.2-4805.1<\/a> et seq.).\n\t\t\t“Terminate<\/span>” means the cancellation of the relationship between an insurance producer and the insurer<\/span>, or the termination of an insurance producer’s authority to transact insurance.\n\t\t\t“Title insurance agent<\/span>” means an agent licensed in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> title insurance, and performing all of the services set forth in § 38.2-4601.1<\/a>, on behalf of title insurance companies licensed under Chapter 46 (§ 38.2-4600<\/a> et seq.).\n\t\t\t“Uniform Application<\/span>” means the current version of the NAIC<\/span> Uniform Application<\/span> for resident<\/span> and nonresident producer licensing.\n\t\t\t“Uniform Business Entity Application<\/span>” means the current version of the NAIC<\/span> Uniform Business Entity Application<\/span> for resident<\/span> and nonresident business entities.\n\t\t\t“Variable contract agent<\/span>” means an agent licensed in the Commonwealth to sell<\/span>, solicit<\/span>, or negotiate<\/span> variable life insurance and variable annuity contracts<\/span> on behalf of insurers<\/span> licensed in the Commonwealth.\n\t\t\t“Viatical settlement broker<\/span>” means a person<\/span> licensed pursuant to Chapter 60 (§ 38.2-6000<\/a> et seq.), in accordance with Article 6.1 (§ 38.2-1865.1<\/a> et seq.) of this chapter, and who is thereby authorized to engage in the activities set forth in Chapter 60 (§ 38.2-6000<\/a> et seq.). <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nDEFINITIONS (\u00a7 38.2-1800)\n\nAs used in this chapter:\n\t\t“Agent,” “insurance agent,” “producer,” or\n“insurance producer,” when used without qualification, means an\nindividual or business entity that sells, solicits, or negotiates contracts of\ninsurance or annuity in the Commonwealth.\n\t\t“Appointed agent,” “appointed insurance agent,”\n“appointed producer,” or “appointed insurance producer,”\nwhen used without qualification, means an individual or business entity licensed\nin the Commonwealth to sell, solicit, or negotiate contracts of insurance or\nannuity of the classes authorized within the scope of such license and who is\nappointed by a company licensed in the Commonwealth to sell, solicit, or\nnegotiate on its behalf contracts of insurance of the classes authorized within\nthe scope of such license and, if authorized by the company, may collect\npremiums on those contracts.\n\t\t“Business entity” means a partnership, limited partnership,\nlimited liability company, corporation, or other legal entity other than a sole\nproprietorship.\n\t\t“Dental plan organization authority” means the authority in the\nCommonwealth to sell, solicit, or negotiate dental benefit contracts on behalf\nof dental plan organizations licensed under Chapter 61 (\u00a7 38.2-6100 et seq.).\n\t\t“Dental services authority” means the authority in the\nCommonwealth to sell, solicit, or negotiate dental services plan contracts on\nbehalf of dental services plans licensed under Chapter 45 (\u00a7 38.2-4500 et\nseq.).\n\t\t“Filed” means received by the Commission.\n\t\t“Health agent” means an agent licensed in the Commonwealth to\nsell, solicit, or negotiate insurance as defined in \u00a7\u00a7 38.2-107.2, 38.2-108,\nand 38.2-109, and including contracts issued by insurers, health services plans,\nhealth maintenance organizations, dental services plans, optometric services\nplans, and dental plan organizations licensed in the Commonwealth.\n\t\t“Home protection insurance authority” means the authority in the\nCommonwealth to sell, solicit, or negotiate home protection insurance as defined\nin \u00a7 38.2-129 on behalf of insurers licensed in the Commonwealth.\n\t\t“Home state” means the District of Columbia and any state or\nterritory of the United States, except Virginia, or any province of Canada, in\nwhich an insurance producer maintains such person’s principal place of\nresidence or principal place of business and is licensed by that jurisdiction to\nact as a resident insurance producer.\n\t\t“Legal services insurance authority” means the authority in the\nCommonwealth to sell, solicit, or negotiate legal services insurance as defined\nin \u00a7 38.2-127 on behalf of insurers licensed in the Commonwealth.\n\t\t“License” means a document issued by the Commission authorizing an\nindividual or business entity to act as an insurance producer for the lines of\nauthority specified in the document. Except as provided in \u00a7 38.2-1833, the\nlicense itself does not create any authority, actual, apparent or inherent, in\nthe licensee to represent, commit, or bind an insurer.\n\t\t“Licensed agent,” “licensed insurance agent,”\n“licensed producer,” or “licensed insurance producer,”\nwhen used without qualification, means an individual or business entity licensed\nin the Commonwealth to sell, solicit, or negotiate contracts of insurance or\nannuity of the classes authorized within the scope of such license.\n\t\t“Life and annuities insurance agent” means an agent licensed in\nthe Commonwealth to sell, solicit, or negotiate life insurance and annuity\ncontracts as defined in \u00a7\u00a7 38.2-102, 38.2-103, 38.2-104, 38.2-105.1, 38.2-106,\nand 38.2-107.1, respectively, and family leave insurance as defined in \u00a7\n38.2-107.2, on behalf of insurers licensed in the Commonwealth.\n\t\t“Limited burial insurance authority” means the authority in the\nCommonwealth to sell, solicit, or negotiate burial insurance society membership\nwhere the certificates of membership are used solely to fund preneed funeral\ncontracts on any individual, on behalf of insurers licensed under Chapter 40 (\u00a7\n38.2-4000 et seq.); or to represent an association referred to in \u00a7\n38.2-3318.1, limited to soliciting members of that association for association\ngroup life insurance certificates where the funds are used solely to fund\npreneed funeral contracts.\n\t\t“Limited lines credit insurance agent” means an agent licensed in\nthe Commonwealth whose authority is restricted to selling, soliciting, or\nnegotiating, on behalf of insurers licensed in the Commonwealth, one or more of\nthe following coverages to individuals through a master, corporate, group or\nindividual policy: (i) credit life insurance and credit accident and sickness\ninsurance, but only to the extent authorized in Chapter 37.1 (\u00a7 38.2-3717 et\nseq.); (ii) credit involuntary unemployment insurance as defined in \u00a7\n38.2-122.1; (iii) credit property insurance, as defined in \u00a7 38.2-122.2; (iv)\nmortgage accident and sickness insurance; (v) mortgage redemption insurance;\n(vi) mortgage guaranty insurance; and (vii) any other form of insurance offered\nin connection with an extension of credit that is limited to partially or wholly\nextinguishing that credit obligation and that the Commission specifically\ndetermines may be sold, solicited, or negotiated by those holding a limited\nlines credit insurance agent license. Each insurer that sells, solicits or\nnegotiates any of the coverages set forth in this definition shall provide to\neach individual whose duties will include selling, soliciting or negotiating\nsuch coverages a program of instruction that may, at the discretion of the\nCommission, be submitted for approval by the Commission or reviewed by the\nCommission subsequent to its implementation.\n\t\t“Limited lines life and health agent” means an individual or\nbusiness entity authorized by the Commission whose license authority to sell,\nsolicit, or negotiate is limited to the following, or any other type of\nauthority that the Commission may deem it necessary to recognize for the\npurposes of complying with \u00a7 38.2-1836: dental services authority; limited\nburial insurance authority; mutual assessment life and health insurance\nauthority; optometric services authority; and dental plan organization\nauthority. Limited lines life and health insurance shall not include life\ninsurance, health insurance, property insurance, casualty insurance, private\nfamily leave insurance, and title insurance.\n\t\t“Limited lines property and casualty agent” means an individual or\nbusiness entity authorized by the Commission whose license authority to sell,\nsolicit, or negotiate is limited to the following, or any other type of\nauthority that the Commission may deem it necessary to recognize for the\npurposes of complying with \u00a7 38.2-1836: home protection insurance authority;\nlegal services insurance authority; mutual assessment property and casualty\ninsurance authority; ocean marine insurance authority; pet accident, sickness\nand hospitalization insurance authority; portable electronics insurance\nauthority; self storage insurance authority; and travel insurance. Unless\notherwise defined, “limited lines property and casualty insurance”\nshall not include life insurance, health insurance, property insurance, casualty\ninsurance, private family leave insurance, and title insurance.\n\t\t“Mortgage accident and sickness insurance authority” means the\nauthority in the Commonwealth to sell, solicit, or negotiate mortgage accident\nand sickness insurance on behalf of insurers licensed in the Commonwealth.\n\t\t“Mortgage guaranty insurance authority” means the authority in the\nCommonwealth to sell, solicit, or negotiate mortgage guaranty insurance on\nbehalf of insurers licensed in the Commonwealth.\n\t\t“Mortgage redemption insurance authority” means the authority in\nthe Commonwealth to sell, solicit, or negotiate mortgage redemption insurance on\nbehalf of insurers licensed in the Commonwealth. As used in this chapter,\n“mortgage redemption insurance” means a nonrenewable,\nnonconvertible, decreasing term life insurance policy written in connection with\na mortgage transaction for a period of time coinciding with the term of the\nmortgage. The initial sum shall not exceed the amount of the indebtedness\noutstanding at the time the insurance becomes effective, rounded up to the next\n$1,000.\n\t\t“Motor vehicle rental contract enroller” means an unlicensed\nhourly or salaried employee of a motor vehicle rental company that is in the\nbusiness of providing primarily private motor vehicles to the public under a\nrental agreement for a period of less than six months, and receives no direct or\nindirect commission from the insurer, the renter or the vehicle rental company.\n\t\t“Motor vehicle rental contract insurance agent” means a person who\n(i) is a selling agent of a motor vehicle rental company that is in the business\nof providing primarily private passenger motor vehicles to the public under a\nrental agreement for a period of less than six months and (ii) whose license in\nthe Commonwealth is restricted to selling, soliciting, or negotiating only the\nfollowing insurance coverages, and solely in connection with and incidental to\nthe rental contract:\n\n1. Personal accident insurance that provides benefits in the event of accidental\ndeath or injury occurring during the rental period;\n\n2. Liability coverage sold to the renter in excess of the rental company’s\nobligations under § 38.2-2204, 38.2-2205, or Title 46.2, as applicable;\n\n3. Personal effects insurance that provides coverages for the loss of or damage\nto the personal effects of the renter and other vehicle occupants while such\npersonal effects are in or upon the rental vehicle during the rental period;\n\n4. Roadside assistance and emergency sickness protection programs; and\n\n5. Other travel-related or vehicle-related insurance coverage that a motor\nvehicle rental company offers in connection with and incidental to the rental of\nvehicles.\n\t\t\tThe term “motor vehicle rental contract insurance agent” does not\ninclude motor vehicle rental contract enrollers.\n\t\t\t“Mutual assessment life and health insurance authority” means the\nauthority in the Commonwealth to sell, solicit, or negotiate mutual assessment\nlife and accident and sickness insurance on behalf of insurers licensed under\nChapter 39 (§ 38.2-3900 et seq.), but only to the extent permitted under\n§ 38.2-3919.\n\t\t\t“Mutual assessment property and casualty insurance authority”\nmeans the authority in the Commonwealth to sell, solicit, or negotiate mutual\nassessment property and casualty insurance on behalf of insurers licensed under\nChapter 25 (§ 38.2-2500 et seq.), but only to the extent permitted under\n§ 38.2-2525.\n\t\t\t“NAIC” means the National Association of Insurance Commissioners.\n\t\t\t“Negotiate” means the act of conferring directly with or offering\nadvice directly to a purchaser or prospective purchaser of a particular contract\nof insurance concerning any of the substantive benefits, terms or conditions of\nthe contract, provided that the person engaged in that act either sells\ninsurance or obtains insurance from insurers for purchasers.\n\t\t\t“Ocean marine insurance authority” means the authority in the\nCommonwealth to sell, solicit, or negotiate those classes of insurance\nclassified in § 38.2-126, except those classes specifically classified as\ninland marine insurance, on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Optometric services authority” means the authority in the\nCommonwealth to sell, solicit, or negotiate optometric services plan contracts\non behalf of optometric services plans licensed under Chapter 45 (§\n38.2-4500 et seq.).\n\t\t\t“Personal lines agent” means an agent licensed in the\nCommonwealth to sell, solicit, or negotiate insurance as defined in §§\n38.2-110 through 38.2-114, 38.2-116, 38.2-117, 38.2-118, 38.2-124, 38.2-125,\n38.2-126, 38.2-129, 38.2-130, and 38.2-131 for transactions involving insurance\nprimarily for personal, family, or household needs rather than for business or\nprofessional needs.\n\t\t\t“Pet accident, sickness and hospitalization insurance authority”\nmeans the authority in the Commonwealth to sell, solicit, or negotiate pet\naccident, sickness and hospitalization insurance on behalf of insurers licensed\nin the Commonwealth.\n\t\t\t“Property and casualty insurance agent” means an agent licensed\nin the Commonwealth to sell, solicit, or negotiate both personal and commercial\nlines of insurance as defined in §§ 38.2-107.2, 38.2-110 through\n38.2-122.2, and 38.2-124 through 38.2-134 on behalf of insurers licensed in the\nCommonwealth.\n\t\t\t“Resident” means (i) an individual residing in Virginia; (ii) an\nindividual residing outside of Virginia whose principal place of business is in\nVirginia, who is able to demonstrate to the satisfaction of the Commission that\nthe laws of his home state prevent him from obtaining a resident agent license\nin that state, and who affirmatively chooses to qualify as and be treated as a\nresident of Virginia for purposes of licensing and continuing education, both in\nVirginia and in the state in which the individual resides, if applicable; (iii)\na partnership duly formed and recorded in Virginia; (iv) a corporation\nincorporated and existing under the laws of Virginia; (v) a limited liability\ncompany organized and existing under the laws of Virginia; or (vi) a foreign\nbusiness entity that is not licensed as a resident agent in any other\njurisdiction, and that demonstrates to the satisfaction of the Commission that\nits principal place of business is within the Commonwealth of Virginia.\n\t\t\t“Restricted nonresident health agent” means a nonresident agent\nwhose license authority in his home state does not include all of the authority\ngranted under a health agent license in Virginia. The license issued to such\nagent shall authorize the agent to sell, solicit, or negotiate in Virginia, on\nbehalf of insurers licensed in Virginia, only those kinds or classes of\ninsurance for which the agent is authorized in his home state.\n\t\t\t“Restricted nonresident life and annuities agent” means a\nnonresident agent whose license authority in his home state does not include all\nof the authority granted under a life and annuities agent license in Virginia.\nThe license issued to such agent shall authorize the agent to sell, solicit, or\nnegotiate in Virginia, on behalf of insurers licensed in Virginia, only those\nkinds or classes of insurance for which the agent is authorized in his home\nstate.\n\t\t\t“Restricted nonresident personal lines agent” means a nonresident\nagent whose license authority in his home state does not include all of the\nauthority granted under a personal lines agent license in Virginia. The license\nissued to such agent shall authorize the agent to sell, solicit, or negotiate in\nVirginia, on behalf of insurers licensed in Virginia, only those kinds or\nclasses of insurance for which the agent is authorized in his home state.\n\t\t\t“Restricted nonresident property and casualty agent” means a\nnonresident agent whose license authority in his home state does not include all\nof the authority granted under a property and casualty agent license in\nVirginia. The license issued to such agent shall authorize the agent to sell,\nsolicit, or negotiate in Virginia, on behalf of insurers licensed in Virginia,\nonly those kinds or classes of insurance for which the agent is authorized in\nhis home state.\n\t\t\t“Sell” means to exchange a contract of insurance by any means,\nfor money or its equivalent, on behalf of an insurer.\n\t\t\t“Settlement agent” means a person licensed as a title insurance\nagent and registered with the Virginia State Bar pursuant to Chapter 10 (§\n55.1-1000 et seq.) of Title 55.1.\n\t\t\t“Solicit” means attempting to sell insurance or asking or urging\na person to apply for a particular class of insurance from one or more insurers.\n\t\t\t“Surety bail bondsman” means a person licensed as a surety bail\nbondsman pursuant to Article 11 (§ 9.1-185 et seq.) of Chapter 1 of Title\n9.1.\n\t\t\t“Surplus lines broker” means a person licensed pursuant to\nArticle 5.1 (§ 38.2-1857.1 et seq.) of this chapter, and who is thereby\nauthorized to engage in the activities set forth in Chapter 48 (§\n38.2-4805.1 et seq.).\n\t\t\t“Terminate” means the cancellation of the relationship between an\ninsurance producer and the insurer, or the termination of an insurance\nproducer’s authority to transact insurance.\n\t\t\t“Title insurance agent” means an agent licensed in the\nCommonwealth to sell, solicit, or negotiate title insurance, and performing all\nof the services set forth in § 38.2-4601.1, on behalf of title insurance\ncompanies licensed under Chapter 46 (§ 38.2-4600 et seq.).\n\t\t\t“Uniform Application” means the current version of the NAIC\nUniform Application for resident and nonresident producer licensing.\n\t\t\t“Uniform Business Entity Application” means the current version\nof the NAIC Uniform Business Entity Application for resident and nonresident\nbusiness entities.\n\t\t\t“Variable contract agent” means an agent licensed in the\nCommonwealth to sell, solicit, or negotiate variable life insurance and variable\nannuity contracts on behalf of insurers licensed in the Commonwealth.\n\t\t\t“Viatical settlement broker” means a person licensed pursuant to\nChapter 60 (§ 38.2-6000 et seq.), in accordance with Article 6.1 (§\n38.2-1865.1 et seq.) of this chapter, and who is thereby authorized to engage in\nthe activities set forth in Chapter 60 (§ 38.2-6000 et seq.).\n\nHISTORY: 1979, c. 513, \u00a7 38.1-327.1; 1981, c. 604; 1983, c. 480; 1984, c. 719;\n1986, c. 562; 1987, cc. 520, 521; 1992, c. 586; 1994, cc. 106, 316; 1995, c.\n167; 1998, cc. 16, 47, 164; 1999, cc. 86, 490, 493, 586; 2000, c. 526; 2001, c.\n706; 2003, cc. 412, 717, 979; 2004, cc. 460, 668, 784; 2006, c. 410; 2011, c.\n222; 2012, c. 447; 2013, cc. 203, 497; 2016, c. 250; 2022, cc. 131, 132; 2023,\ncc. 338, 339.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}