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

The correct option indicates that assuming liability for a producer's unauthorized acts is not a responsibility of an insurer. Insurers have various obligations, including regulatory compliance and maintaining operational integrity, but they are not generally liable for actions taken by producers that exceed their authority or are unauthorized.

In the context of agency law, a producer, or agent, acts on behalf of the insurer. However, if the producer engages in actions that are outside the scope of their authority as designated by the insurer, the insurer cannot be held liable for those actions. This aligns with the fundamental principles of agency that delineate the limits of an agent's authority.

In contrast, the other responsibilities listed are well within the purview of an insurer. For instance, notifying the Commissioner of termination of a producer’s appointment is a regulatory requirement that ensures the state has up-to-date information on who is authorized to sell insurance on behalf of the insurer. Providing sales materials to appointed producers is essential for ensuring that agents have the necessary tools to accurately present products to potential customers. Obtaining a Certificate of Authority is a critical step for insurers to legally operate in a specific state and signifies that they are authorized to offer insurance products within that jurisdiction.