Business names can be fictitious as long as:

Business names can be fictitious as long as:

• A. They include the word "Insurance"
• B. An agency or brokerage is added
• C. They are registered with the state
• D. They are used only for branding

Answer: (B)

When using a fictitious business name in the title/insurance field, you must clearly indicate licensed status by adding a descriptor that shows you’re an agency or brokerage. That designation helps consumers know they’re dealing with a regulated entity rather than an unlicensed brand. Adding the word “Agency” or “Brokerage” accomplishes this transparency, which is why that option is the correct one. Merely including “Insurance” isn’t required and doesn’t by itself signal licensure. Being registered with the state is a separate compliance step, not the condition that allows a fictitious name. Using a name only for branding wouldn’t meet the need to reveal the licensed entity behind the service.

When using a fictitious business name in the title/insurance field, you must clearly indicate licensed status by adding a descriptor that shows you’re an agency or brokerage. That designation helps consumers know they’re dealing with a regulated entity rather than an unlicensed brand. Adding the word “Agency” or “Brokerage” accomplishes this transparency, which is why that option is the correct one. Merely including “Insurance” isn’t required and doesn’t by itself signal licensure. Being registered with the state is a separate compliance step, not the condition that allows a fictitious name. Using a name only for branding wouldn’t meet the need to reveal the licensed entity behind the service.