Expert Insured joins the Selectsys Family of Solutions for MGAs, MGUs, Wholesalers, and Carriers Read the Press Release

Overview

Approvals and Authorization gives you precise control over who can review, approve, and release work at every stage of the policy lifecycle. Configure rules by carrier, program, line of business, premium thresholds, and risk indicators so MGAs, MGUs, wholesalers, and carriers protect authority, reduce E&O exposure, and move faster with confidence.

This capability sits within Workflow and Task Management. Expert Insured brings these controls into your daily processes as a modern agency management system and insurance operations platform, so approvals flow naturally from submission through issuance with full auditability.

Why it Matters

  • Enforce binding authority and compliance with clear, auditable approval rules.
  • Accelerate turnaround through automatic routing, due dates, and escalations.
  • Reduce errors and omissions via separation of duties and complete decision history.
  • Scale programs consistently with reusable approval matrices across carriers and lines.

Who it is For

How it Works

  • No-code approval matrices by LOB, carrier, program, premium bands, and risk flags using custom workflows.
  • Authority limits and referral rules at user, role, and team level with role-based queues.
  • Smart routing with due dates, reminders, and SLA-driven escalations.
  • Inline actions within the brokerage submission process and issuance steps.
  • Policy-aware gating that blocks quote release, bind, or issuance until approvals are satisfied, aligned with your policy lifecycle and Policy Management.
  • Full audit trail capturing decision, approver, timestamp, reason codes, and attachments.
  • Delegation, backup approvers, and out-of-office handling with controlled escalation paths.
  • Reusable templates to standardize rules across carriers and programs for faster rollout.

Why Expert Insured is Best for Approvals and Authorization

Expert Insured unifies approvals with tasks, policy context, and SLAs in one insurance management system. Rules are configured once and reused across programs, while approvers act directly in their queues with the underwriting context they need. Every decision is audit-ready, and gating is enforced at key milestones from quote to bind to issuance. The result is consistent control without slowing down the business.

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Frequently Asked Questions

Yes. Define layered rules by LOB, carrier, and premium band using custom workflows, then assign approvers by role or team for each step.

Tasks route to the right queues using role-based assignment with due dates, reminders, and SLA-driven escalations to prevent delays.

You can gate quote release, bind authority, issuance, endorsements, and cancellations. Gating aligns to your policy lifecycle and overall Policy Management rules.

Yes. Configure thresholds by total premium, deviation from rate, referral flags, or risk attributes, then route to the correct approver level automatically.

Approvers act in-queue with submission and quote details from the brokerage workflow and creating and requesting quotes, plus issuance data when needed.

Every decision is stamped with user, timestamp, reason codes, related documents, and policy linkage. You can report or export this history for audits and authority reviews.

Place approvals at key stages of new business and renewals so submissions, requotes, and terms changes are reviewed before release.

Use delegation and backup approvers. The system enforces due dates and escalates per your SLA rules so work keeps moving.