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Legal Compliance

Keep your agency compliant with state and federal laws and avoid fines and penalties by relying on our resources.

Broker agreements — Learn what you need to know before signing an agreement to broker business through another producer, wholesaler or surplus lines licensee.

Certificates of insurance — Discover best practices for handling certificates, rationale for never modifying a form, and how to respond when you are asked for an inappropriate certificate.

Charging and paying fees — Learn what is and isn't permissible when it comes to charging fees to your customers or pay fees for referrals.

Commission disclosure — What compensation, if any, are producers required to disclose?

Compliance Pitfalls On-Demand (Pa. & De) — Read how to avoid the 10 most common compliance violations seen by the Pennsylvania Insurance Department and the Maryland Insurance Administration.

Do not call/ fax/ email — Find out how to comply with federal marketing and telemarketing requirements that affect business relationships with your customers and prospects.

Electronic Funds Transfers (EFTs) -- How to remain compliant when converting customer checks into EFT/ACH payments

Electronic Transactions — Learn about the validity and enforceability of electronic transactions

Fiduciary responsibilities for premium funds — Avoid common missteps when handling premium funds, and stay compliant with state and federal requirements for fiduciary accounts.

Fiduciary Rule - The DOL's federal regulation addressing conflicts of interest, investment advice and compensation methods (includes retirement advice related to ERISA, IRAs, 401(k)s, annuities & certain HSAs). 

Privacy — Use our step-by-step privacy resources to remain compliant with state and federal obligations.

Rebating — Find out your state's requirements for rebates and inducements before launching your next promotion.

Recording phone calls — Learn when you can and can't monitor business phone calls.

Record retention — Discover factors that influence your record-retention policy, a sample schedule and information on electronic records.

Surplus lines — Read how to stay compliant when placing business in the surplus lines market.


This document is not a legal opinion and should not be relied upon as such. The intent of this document is to provide a general background regarding the topic or topics discussed, not to provide legal advice. Producers and agencies should consult an attorney regarding specific situations and specific questions with respect to the topic or topics covered in this document. Neither the Insurance Agents & Brokers nor any of its employees shall be responsible for any errors or omissions regarding any statements made in this document, nor any errors or omissions regarding any statutes, regulations, court rules, and/or any other government documents cited in this document.



Need help?

Fee-for-service counselors are available to help in lieu of many of the DIY compliance resources described here.
800-998-9644, option 4

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