How to verify an insurance agent

“a person may not perform, offer to perform, or advertise any service as a producer, surplus lines producer, limited line producer, consultant, managing general agent, or reinsurance intermediary in Utah, without a valid individual or agency license issued under this chapter.”

“An insurance contract is not invalid as a result of a violation of this section.”

“An insurance organization shall be licensed as an agency if the insurance organization acts as: (1) a producer;”

“An agency licensed under this chapter may act in a capacity for which it is licensed only through an individual who is licensed under this chapter to act in the same capacity.”

“A licensee under this chapter shall register and maintain with the commissioner: (i) the address and the one or more telephone numbers of the licensee's principal place of business; and (ii) a valid business email address at which the commissioner may contact the licensee.”

“The Department provides public access to the contact information of the Department’s licensees so you can find an agent or agency in your area or verify that a specific agent or agency is currently licensed in Utah.”

“Search for a Licensee below by Location, Name or License Number.”

“Once you find an individual in your area, it is important to check their license status by using our Licensee Search tool to verify they have a license for the product they are selling.”

“A broker-agent acting as a captive agent represents a single insurer, or single fleet of insurers, and is obligated to submit business only to that company or, at the very minimum, give that company first refusal rights on a sale.”

“searches the marketplace in the interests of clients, not insurance companies, and may place coverage with any admitted insurance company.”

“Licensing records for agents, agencies, and companies are available using our Licensee Search tool.”

“The excess and surplus lines market (hereafter referred to as surplus lines) is a supplemental market of insurance companies that do not have a certificate of authority to write insurance in Utah.”

“This page contains public records related to administrative actions taken against Department licensees. The table below is sortable and searchable to help you find the record you're looking for. It includes administrative actions taken during the past 10 years, plus the current year.”

“If you have been unable to resolve a problem with your insurance company or agent, you may contact our staff for assistance, or file a written complaint.”

“A National Producer Number (NPN) is a unique NAIC identifier assigned during the licensing application process. NPNs are assigned to individuals and business entities in the Producer Database (PDB).”

“Licenses are issued by the regulating state. For guidance on printing your license and to access your state’s license print tool, select your state from the dropdown below.”

“A license type and a line of authority pertaining to a license type describe the type of licensee and the lines of business that a licensee may sell, solicit, or negotiate.”

“(iv) property insurance; (v) casualty insurance, including a surety or other bond; (vi) title insurance”

“(22) "Casualty insurance" means liability insurance.”

“"Property insurance" means insurance against loss or damage to real or personal property of every kind and any interest in that property: (i) from all hazards or causes; and (ii) against loss consequential upon the loss or damage including vehicle comprehensive and vehicle physical damage coverages.”

“"Personal lines insurance" means property and casualty insurance coverage sold for primarily noncommercial purposes to: (a) an individual; or (b) a family.”

“"Insurance producer" or "producer" means a person licensed or required to be licensed under the laws of this state to sell, solicit, or negotiate insurance.”

“"Producer for the insurer" means a producer who is compensated directly or indirectly by an insurer for selling, soliciting, or negotiating an insurance product of that insurer. (ii) "Producer for the insurer" may be referred to as an "agent."”

“"Producer for the insured" means a producer who: (A) is compensated directly and only by an insurance customer or an insured; and (B) receives no compensation directly or indirectly from an insurer for selling, soliciting, or negotiating an insurance product of that insurer to an insurance customer or insured. (ii) "Producer for the insured" may be referred to as a "broker."”

“Noncommission compensation shall be: (i) limited to actual or reasonable expenses incurred for services; and (ii) uniformly applied to all insureds or prospective insureds in a class or classes of business or for a specific service or services.”

“A licensee may not receive noncommission compensation from an insurer, insured, or enrollee for providing a service or engaging in an act that is required to be provided or performed in order to receive commission compensation,”

“An insurer shall appoint an individual or agency with whom it has a contract as an insurance producer, limited line producer, or managing general agent to act on the insurer's behalf in order for the licensee to do business for the insurer in this state.”

“A person may not represent that the person is acting in behalf of an insurer unless a written agency contract is in effect giving the person authority from the insurer and the insurer appoints that person to act in behalf of the insurer.”

“as between the insurer and the insured, the insurer is considered to have received the premium and is liable to the insured for losses covered by the insurance and for any unearned premiums upon cancellation of the insurance if an insurer, including a surplus lines insurer: (a) assumes a risk; and (b) the premium for that insurance is received by: (i) a licensee who placed the insurance;”

“As an independent agency, we help evaluate available coverage and carrier options for the actual operation.”

“We start with the work you do, the contracts or filings involved, and the deadline in front of you.”

“Text Redoubt the broker packet, the lender's insurance letter, the platform's upload screen or the renewal itself, with the vehicles and the date you need it by. We will say what can be bound now, what needs the carrier, and what to send back.”