Which of the following groups does NOT have civil liability when reporting suspected fraud?

Individuals or entities that report suspected fraud are often granted protection from civil liability to encourage the reporting of dishonest or fraudulent activities without fear of legal repercussions. In this context, private insurance company agents would not be protected under the civil liability shield when reporting suspected fraud, which means they can be held liable for their actions.

On the other hand, employees of the insurance commissioner, federal law enforcement officers, and employees of the National Association of Insurance Commissioners typically enjoy immunity from civil liability when they report suspected fraud as part of their official duties. This immunity is designed to promote transparency and accountability within the insurance industry, allowing those in regulatory and enforcement roles to report questionable activities freely without the risk of facing lawsuits.

The emphasis on protecting certain groups aids in the integrity of the reporting process in issues like fraud, enabling authorities to investigate and address allegations without hindrance.