Identity and broker boundaries
Prove who may act for whom.
- Agency, broker, carrier, and insured roles are distinct
- Delegation and revocation are recorded
- Cross-account access is negatively tested
Resource 11 · Insurance checklist
InsurTech readiness checklist
Review the insurance-specific boundaries that a generic production checklist misses: brokers, carriers, policies, documents, money, and auditability.
The working guide
Follow the evidence across the whole system.
Insurance products fail at handoffs. The checklist follows each decision and document across carrier, broker, insured, billing, and servicing boundaries.
Quote and policy state
Keep one explainable record.
- Quote versions and rating inputs are retained
- Bind, endorse, cancel, and renew transitions are explicit
- Carrier responses can be reconciled after timeouts
Documents and evidence
Preserve what was shown and signed.
- Generated forms are tied to source data and version
- E-signature events are verified and recoverable
- Retention and export rules are documented
Premium and commission flows
Make money movement auditable.
- Amounts, fees, taxes, and commissions reconcile
- Webhook retries cannot duplicate financial effects
- Operator correction leaves an audit trail
Integrations and operations
Design for partial failure.
- Carrier and agency-system contracts are monitored
- Retries are bounded and idempotent
- Manual queues expose ownership and aging
Evidence to keep
Leave a record another person can verify.
- 01Role and tenant matrix
- 02Policy lifecycle state diagram
- 03Carrier integration contracts and retry behavior
- 04Financial reconciliation reports
Choose the next useful step
Use the guide to define the first accountable decision.
We can review the evidence with your team and turn the gaps into a scoped plan without taking ownership away from you.