Which of the following activities requires a certificate of authority as per Idaho law?

Writing new insurance policies requires a certificate of authority under Idaho law because it is a fundamental function of an insurance company that involves assuming risk and providing coverage. This activity directly impacts the financial stability of the insurer and is closely regulated to ensure that only qualified entities are allowed to engage in the business of insurance. The certificate of authority serves as a means to ensure that the entity has met the necessary legal and financial requirements to operate and protect consumers from potential fraud or insolvency.

In contrast, insurance evaluations for claim disputes, managing policy renewals, and the settlement of existing claims do not involve the issuance of new policies or the assumption of new risks, so they typically do not require a separate certificate of authority. These activities can often be performed by licensed adjusters or agents who are acting within the scope of their existing authority, provided they have the necessary licenses for the roles they fulfill.