Which of the following is required for an insurance company to operate in Connecticut?

For an insurance company to operate legally within Connecticut, obtaining a certificate of authority from the state is essential. This certificate is granted by the state's insurance department and signifies that the company has met all regulatory requirements set forth by state law. It ensures that the insurer adheres to financial stability, compliance with applicable insurance laws, and consumer protection standards.

Without this certificate, an insurance company cannot engage in business activities such as selling insurance policies or collecting premiums in that state. This requirement underscores the importance of regulatory oversight in the insurance industry, which aims to maintain a responsible and trustworthy marketplace for consumers.

The other options, while related to the insurance industry, do not pertain specifically to the operation of an insurance company in Connecticut. A state charter is typically a requirement for forming a business entity, but it alone does not grant permission to operate as an insurer. An insurance broker license is necessary for individuals or businesses that act as intermediaries in selling insurance; however, it is not required for the companies themselves. A federal insurance license is also not applicable, as insurance is primarily governed at the state level, and each state establishes its own licensing requirements.