Which of the following is NOT considered a limited line of authority?

In the context of insurance regulation, a limited line of authority refers to a specific type of insurance that allows agents to sell only certain categories of coverage, rather than a broad spectrum of insurance products. Typically, limited lines of authority include specific types of insurance like accident and health, life, or similar focused coverages, which do not encompass the wider market of property and casualty insurance.

Property insurance is generally acknowledged as a broad line of insurance that encompasses various coverage types related to real estate and personal property. It allows licensed agents to operate across a wide range of products, including homeowners insurance, commercial property insurance, and more. This breadth makes property insurance distinct from limited lines of authority.

Accident and health insurance, casualty insurance, and life insurance are often categorized as limited lines because they are more specialized. Agents with these lines of authority typically focus on specific aspects of insurance rather than the entirety of property-related coverages, highlighting why property insurance stands apart in this classification.