# InsurTech readiness checklist

Review the insurance-specific boundaries that a generic production checklist misses: brokers, carriers, policies, documents, money, and auditability.

Insurance products fail at handoffs. The checklist follows each decision and document across carrier, broker, insured, billing, and servicing boundaries.

## 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

## 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

- Role and tenant matrix
- Policy lifecycle state diagram
- Carrier integration contracts and retry behavior
- Financial reconciliation reports