Arvori
Compliance & Licensing guides for Insurance Brokers.
Insurance brokers must disclose carrier recommendations and compensation under state law. What disclosure is required, when it applies, and how to build a compliant process.
NAIC AI Model Bulletin adopted in 24 states: what insurance brokers need to know about carrier AI governance requirements, 2026 examination activity, and client disclosure implications.
Non-resident insurance licensing: how to apply in multiple states using NIPR, navigate reciprocity rules, handle non-conforming states, and stay compliant across jurisdictions.
Insurance broker E&O limits, deductibles, and tail coverage: benchmarks by revenue tier, claims-made mechanics, and what to look for in a carrier.
How insurance brokers file surplus lines placements: diligent effort documentation, home state tax remittance, stamping office deadlines, and penalties for non-compliance.
Insurance license CE: most states require 24 hours per 2-year cycle with 3+ hours of ethics. How to track completion, document hours, and avoid license lapse penalties.
Anti-rebating laws prohibit using commissions to induce insurance purchases. What counts as a rebate, when disclosure is required, and how to stay compliant by state.