Which of the following is NOT a responsibility of an insurer?

Insurers are primarily responsible for certain core functions that support their customers and ensure smooth operations. Among these responsibilities, paying legitimate claims is essential, as it reflects the fulfillment of the insurance contract once a valid claim is submitted. Providing coverage information to producers is also vital, as it enables agents to effectively communicate available options to policyholders, fostering informed decision-making.

Conducting regular audits is a standard practice for insurers to ensure compliance with regulations and internal policies, which helps in maintaining transparency and accountability.

Assuming liability for a producer's unauthorized acts, however, is not a responsibility that falls to insurers in the general sense. While insurers often maintain oversight of their producers, they are not typically liable for actions taken by producers that are outside the scope of their authority or that are unauthorized by the insurer. This delineation helps protect insurers from undue risks associated with the independent actions of their agents or brokers. Therefore, this option is the one that does not align with the conventional responsibilities of insurers.