Overview
Audit Trails and Approvals captures every policy action, change, and decision with full context, and enforces the right level of review before work moves forward. It gives MGAs, MGUs, wholesalers, and carriers verifiable evidence of control while speeding day-to-day decisions across the policy lifecycle, tightly integrated with Policy Management.
Expert Insured brings these controls into a modern insurance operations platform, so approvals are consistent, traceable, and practical for teams. As an insurance management system, it embeds governance directly in quoting, binding, endorsements, renewals, and issuance.
Why it Matters
- Reduces E&O exposure with immutable, time-stamped activity logs and reason-codes for every decision
- Enforces underwriting authority and carrier guidelines with configurable, auditable approval rules
- Speeds cycle time by routing reviews to the right approver and gating only when required
- Simplifies internal and carrier audits with exportable histories linked to policy, document, and user records
Who it is For
- MGAs, MGUs, program administrators, and wholesalers managing delegated authority and referral workflows: MGAs, MGUs, and Program Administrators, Wholesalers, and Carriers.
- Commercial, transportation, workers compensation, and personal lines teams requiring rule-based approvals: Commercial Specialty, Transportation, Workers Compensation, and Personal Lines
- Underwriting, operations, compliance, and QA teams responsible for oversight and audit readiness
How it Works
- Immutable activity logging with user, timestamp, action, object, prior values, and justification
- Configurable approval matrices by line, product, limit, premium threshold, state, referral reason, and endorsement type
- Maker-checker workflows across new business, endorsements, cancellations, and renewals with escalation and SLAs
- Lifecycle gating that prevents advancement until required reviews are complete, aligned with the Policy Lifecycle Overview
- In-line approvals during quote creation and referral handling within Creating and Requesting Quotes and through Quote and Binder Generation
- Issuance controls that verify approvals and bind authority before final documents in Policy Issuance
- Evidence capture with notes and attachments stored in Document Management, including Automatic Policy Association and quick retrieval via Document Tagging and Search
- One-click export of approval trails and decision logs for audit packages and carrier reporting
Why Expert Insured is Best for Audit Trails and Approvals
Expert Insured unifies approvals with the core workflow rather than bolting them on. Rules are evaluated at the exact points of risk and authority, and the platform records decisions alongside the policy record and documents. Teams gain speed with intelligent routing and clear gating, while compliance gains confidence with complete, immutable histories. Unlike generic tools, Expert Insured brings approvals directly into your agency management system so you can prove control without slowing the business.