If an applicant does not receive a copy of the new insurance policy, who would be held responsible?

The agent is held responsible for ensuring that the applicant receives a copy of the new insurance policy. When an insurance policy is issued, it is the agent's duty to facilitate the proper communication and delivery of the policy documents to the policyholder. The agent serves as the primary point of contact between the applicant and the insurer, which includes managing expectations and ensuring that the applicant has all necessary documentation.

Failure to deliver the policy to the applicant may result in misunderstandings about coverage and terms, and since the agent is entrusted with this responsibility, they can be held accountable for any lapses in this process. The other parties, such as the underwriter or the insurer, are typically involved in the assessment and approval process, while the agent directly interacts with the client regarding policy details and delivery.