Which of the following is a living transmitting agent?

The choice of insects as a living transmitting agent is accurate. Insects can carry and transmit various pathogens and diseases, acting as vectors for illnesses that can impact both human health and food safety. For instance, flies can land on carrion or waste and then spread bacteria and viruses to food items, leading to contamination. Mosquitoes are known for transmitting diseases such as West Nile virus and malaria, while ticks can carry Lyme disease.

In contrast, the other options provided do not serve as living agents. Water can be a medium for transmission of pathogens but is not a living entity itself. Money, although it can harbor bacteria and viruses due to human contact, is an inanimate object and not a living carrier. Utensils, like knives and forks, can also be vectors for germs but are non-living items that do not actively spread pathogens on their own. Thus, insects are clearly identified as living transmitting agents in this context.