Who can sell flood and earthquake coverage in California?

In California, flood and earthquake coverage can be sold by any broker-agent licensee, which makes this option the correct answer. Broker-agent licensees are trained and authorized to sell a variety of insurance products, including those that protect against natural disasters like floods and earthquakes. This flexibility enables them to serve the diverse needs of clients by offering coverage plans tailored to different risks.

Licensed agents, while also able to provide such coverage, operate under a different set of regulations as compared to broker-agents. Government agencies typically do not sell insurance directly; instead, they may administer programs related to disaster assistance. Employees of insurance companies are generally restricted to selling their employer's products and may not be able to offer the range of options that broker-agents can. Thus, the broad scope of a broker-agent's licensing allows them to sell essential coverage like flood and earthquake insurance in California.