Chasing the signed forms that have to be in the file
A file is a defence, and signed paper is what defends it. Applications, uninsured motorist selection or rejection where the state uses one, a terrorism rejection, a flood declination with a name on it. The nasty case is a rejection signed but left incomplete, which some states treat as no rejection at all, so coverage the insured declined comes back at limits nobody was charged for. DocuSign or Indio carries the signing. Which form the state and the line demand is what has to be maintained.
A certificate request arrives as a sentence in an email, and answering it correctly requires deciding which endorsements the policy actually grants.
The agency management system is the record, and a standardised download feed keeps parts of it current. The feed is positional flat file in origin, its coverage varies by carrier and by line of business, and a policy that arrives without matching an existing record lands in a queue somebody clears by hand.
- DocuSign
- Indio
- Applied Epic
When this is the wrong thing to build
Pick something else if nobody has settled which forms are required for your states and your lines. Chasing against an incomplete list produces a file that looks complete and is not, which is a worse position to defend than a file with holes you can see.
The constraint that shapes it
Producing a quote or binding coverage happens under a licence that is issued per state and per line, and separately under a carrier appointment, so a person can be licensed without being appointed. More on how this sector works.
A list of things that are missing, worked until it is empty. Read what this shape is, or start from one of these.
- Chasing a compliance file to complete
- Chasing a referral fee through to a closing you cannot see
- Asking for the replenishment before the retainer runs to zero
- Chasing medical records until the set is complete
- Getting a deposition on the calendar of every party
- Chasing the warranty credit the distributor has not issued
- Which signed forms have to be in an insurance agency client file?
- What happens if an uninsured motorist rejection form is signed but blank?
- How do I track missing signed applications across a book of business?
- Does a terrorism coverage rejection have to be signed at every renewal?
- Can DocuSign chase an insured for a coverage rejection form?
Back to insurance agencies, or see how this is priced and scoped.