Final answer:
An insurance producer represents the insurer in the negotiation of insurance contracts, acting on behalf of the company to sell their products.
Step-by-step explanation:
An insurance producer, oftentimes referred to as an insurance agent or broker, represents the insurer when negotiating an insurance contract. Their primary role is to sell the insurance company's products to policyholders, which means they act on behalf of the company in these transactions, not as a representative of the insured or the state.