An insurance agent who receives a check payable to the agent when the item was actually intended as payment to the insurance company is required to make good on the check if it is later dishonored.

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An insurance agent is a fiduciary who acts on behalf of the insurance company, not in their personal capacity. If a check intended for the insurance company is made payable to the agent and is dishonored, the agent is responsible for ensuring the funds are properly directed to the company but is not personally liable to "make good" on the check unless there was misconduct or misappropriation on their part.

An Insurance Agent Who Receives a Check Payable to the Agent