What activities must employees of insurers or organizations employed by insurers avoid to be exempt from needing a license?

To be exempt from needing a license, employees of insurers or organizations employed by insurers must avoid engaging in the sale, solicitation, or negotiation of insurance. This is essential because such activities are typically considered insurance-related functions that require a proper licensing to ensure that professionals are qualified and knowledgeable about the products they are discussing or promoting.

By not participating in these activities, employees can remain compliant with regulatory requirements and function within their roles without the need for a license. This aligns with regulatory standards that are in place to protect consumers and ensure the integrity of insurance transactions.

The other options do not impose the same licensing requirements. For example, handling claims only for group insurance or providing administrative support typically falls under the operational responsibilities of employees that do not require a license. Similarly, working part-time as insurance consultants may not necessarily require a license depending on the specific tasks they are performing; however, engaging in sales activities would require one to be licensed.