If an applicant does not receive a copy of the new insurance policy, who would be held responsible?

The correct answer is A. The insurer.

In general, it is the responsibility of the insurance company (insurer) to provide the applicant with a copy of the insurance policy after it has been issued. If the applicant does not receive it, the insurer is typically held accountable for this oversight, as it is part of their legal and ethical duty to ensure the policyholder has the necessary documentation.