Insurance Brokerage Operations

50-state automobile financial responsibility minimum BI/PD (bodily injury / property damage liability) limits reference and compliance analysis for independent

Carrier appointment and 60-day termination notice compliance for independent producers and MGAs.

Commission disclosure and anti-rebating compliance for independent brokers, MGAs, and fee-only advisors.

Errors & Omissions (E&O) broker malpractice statute of limitations and claims-made vs occurrence coverage analysis for independent brokers and MGAs.

E-signature validity and ESIGN Act / UETA compliance for insurance contract acceptance by independent brokers and MGAs.

Independent broker vs captive agent distinction — Gramm-Leach-Bliley Act Title V (15 U.S.C.

Draft and audit MGA (Managing General Agency) authorization agreements — the NAIC Managing General Agents Act (Model #225) and state-specific MGA statutes.

Premium finance charge state cap compliance for independent brokers and premium finance companies.

Producer compensation vesting schedule compliance, 24-month contingent commission vesting analysis, and sub-producer agreement compensation structure for indepe

State producer license compliance, surplus-lines and life/health license bond requirements, and NAIC continuing education (CE) credit tracking for independent b

Sliding (insurance tying) violations and market conduct examination compliance for independent brokers and MGAs.

State-by-state surplus lines diligent search compliance for independent brokers and surplus-lines brokers.