ICOB 2.1 Application: who?ICOB 2.1.1R14/01/2005 (1) This chapter applies to: (a) an insurer; (b) an insurance intermediary; (c) a managing agent. (2) ICOB 2.3, ICOB 2.4, ICOB 2.5, ICOB 2.6, ICOB 2.7and ICOB 2.8apply to a firm that communicates or approves a non-investment financial promotion to which ICOB 3 applies.