Authorized vs. Unauthorized Actions of Unlicensed Personnel
Authorized Actions
- Answering phones
- Scheduling appointments (provided there is no discussion about insurance coverage, cost, or related issues
- Maintaining files and records
- Referring a prospect or customer to an agent or licensed sales producer (where appropriate)
- Word processing and data entry
- Assisting with advertising and mailing campaigns
- Accept payments on existing policies that are made in the office in situations in which there is no coverage
discussions - Secure expiration on dates from prospects, limited to the date the policy expires and the current carrier, and
whether they would be interested in speaking to the agent or a licensed sales producer - Take loss information from customers and report this information to the claims department
- Handle changes to existing policies that do not involve any discussion of coverages or require the binding of
additional coverages, increasing or decreasing coverages, removal of coverages, or the addition of vehicles - Inform insureds as to the coverages indicated in the policy record
- Receive requests for coverage for transmittal to the agent or a licensed sales producer
Unauthorized Actions
- Prospect or solicit for insurance
- Quote premiums
- Discuss or provide advice concerning coverages, limits, or deductibles
- Interview customers to develop information as part of the completion of an application
- Bind new policies or make changes to existing policies that require the binding of additional coverages, increasing or decreasing coverages, removal of coverages, or the addition of vehicles
- Accept payments on new policies
- Accept payments on existing policies outside the office
- Receive compensation based on sales
- Be involved in any activity or transaction that is not in compliance with company policies and procedures or that violates state licensing or other laws
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