Can I Write Insurance Policies in States Where I’m Not Licensed?
Know your licensed states to stay compliant and protect your commission.
It’s important to ensure you are only writing business in states where you hold a valid license. Writing in unlicensed states can lead to compliance issues and withheld commissions. This article explains the rules around licensing when writing policies, whether as an individual or through an agency.
Frequently Asked Questions (FAQs)
Can I write in states I am not licensed in?
- No. You may only write in states where you hold an active license. If you are writing through an agency NPN, your agency must also be licensed in that state. Writing a policy in a state where neither you nor your agency are licensed can result in withheld commissions.
What if only I hold a license in a non-resident state, and my agency does not?
- When quoting or issuing policies with an agency NPN, both you and your agency must hold the appropriate non-resident license. Without it, you cannot legally write business in that state.
When quoting in some partner portals, I see other states available. Can I quote in these?
- No. You should only quote in states where you are licensed. Even if other states appear as options in the portal, quoting there without a license is not permitted.
Tip: Always double-check your licenses and your agency’s licenses before issuing policies to avoid compliance issues.