Licenses & E&O coverage

Licenses and Errors & Omissions (E&O) coverage are the credentials the compliance engine watches (Compliance monitoring) and two of the five market-access prerequisites (Managing producers). They are shown on each producer’s detail page — the Licenses tab lists number, status, expiry and a flag pill (ok / expiring / expired).

Licenses

A license records a producer’s authority to transact in a jurisdiction:

  • License number and jurisdiction;

  • License type — Resident, Non-resident or Temporary;

  • Status — Active, Pending, Expired, Suspended or Revoked;

  • Dates — issue, expiration and renewal dates;

  • Continuing education — accumulated CE hours and the CE deadline;

  • the lines of authority covered (from your reference catalog).

A license is flagged expiring when its expiration date is within 30 days, and expired once the date has passed. These flags drive the license columns on the producer page and the compliance monitoring sweep.

Licenses enter the system three ways:

  1. Onboarding approval — when an application is approved with a license number and jurisdiction, an active license is created (Onboarding producers).

  2. Manual entry — licensing staff record or correct licenses directly.

  3. Registry synchronisation — the platform can look a producer up in an external producer registry (NIPR, PDB, FCA, or a manual/CSV import) by their NPN and create or update their licenses from the registry’s answer, including each license’s current status. Every sync is recorded in an audit log with its outcome (success, partial, failed) and any field-level errors, and can be triggered on demand for a producer or run on a schedule.

Note

Registry synchronisation can change license statuses without anyone editing them by hand — a license may appear or flip to expired after a sync. The sync log always shows what happened and when.

E&O coverage

An E&O coverage records the producer’s professional liability insurance:

  • Policy number and carrier name;

  • Coverage amount (per claim), aggregate amount and deductible;

  • Effective and expiration dates;

  • an optional link to the certificate document.

Like licenses, E&O is flagged expiring within 30 days of its expiration date and expired after it. Current (active, unexpired) E&O is required for market access, and lapsed E&O is a valid reason code for producer termination.

E&O coverage is created on onboarding approval (when a policy number was supplied) or recorded manually by licensing staff.

Continuing education (CE)

Each license tracks CE hours and a CE deadline. The required hours, ethics hours and cycle length (default 24 months) are configured per jurisdiction by your administrators. When a license’s CE deadline passes, the monitoring sweep raises a CE deadline compliance alert (Compliance monitoring).

What to watch

  • The Compliance screen consolidates every expiring/expired license and E&O into actionable alerts — you do not need to police the producer list manually.

  • The 30-day warning window is the platform default; alert thresholds can be tuned per alert type by your administrators.