Which of the following is NOT typically a function of an insurance department?

Insurance departments are primarily responsible for regulating the insurance industry to ensure its financial stability and consumer protection. Within this scope, they perform various functions. Conducting financial examinations is vital for verifying the financial health of insurance companies and ensuring they can meet their obligations to policyholders. Public relations support is often provided to promote understanding of insurance products and regulations among consumers. Additionally, insurance departments may offer legal advice on insurance law to help clarify regulations for insurance entities.

However, risk assessment specific to individual clients is not typically a function of insurance departments. Instead, this task is usually performed by insurance agents or brokers who evaluate the unique risks of their clients and recommend appropriate insurance coverage. Insurance departments focus on the broader aspects of regulation, compliance, and industry health rather than individual client assessments.