A person shall not be deemed to be acting as an insurance consultant under any of the following circumstances: (1) If a licensed agent gives advice incidental to the normal course of the agent's insurance business and does not charge a fee other than commissions received from insurance written; (2) If any attorney, actuary, certified public accountant, teacher of insurance, or trust officer of a bank consults during the normal course of his or her usual business, and only incidental to such business; or (3) If a person employed as a risk manager consults during the normal course of his or her full-time employment to the company by which such person is employed.
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