Compliance Sentinel
Tracks producer licenses, appointment status, and state-specific disclosure rules, alerting before a lapse becomes an E&O event or a blocked bind.
[ capabilities ]
- —License and appointment expiry alerts
- —State disclosure requirement library
- —E&O documentation trail
[ core systems & integration architecture ]
Cross-checks producer licensing and appointment status against the systems where business is actually being written, and alerts before a bind gets blocked.
NIPR / state registries
Native REST APILicense and appointment status checked on a schedule
Applied Epic
Native REST APIProducer records reconciled against licensing data
Guidewire PolicyCenter
Event Stream / WebhookPre-bind check flags an unlicensed or unappointed producer
HR / identity provider
Native REST APIRoster sync so leavers and joiners stay accurate
Sync model
Daily reconciliation with real-time pre-bind checks
Standards spoken
Time to connect
Weeks
Enterprise guardrails
- —No customer data used to train models — zero-retention inference only
- —OAuth 2.0 / mTLS against your existing identity provider
- —Field-level audit trail on every value written back
- —Alerts only — the sentinel never blocks a transaction on its own
[ mcp microservice interface ]
This module ships as an MCP microservice — compliance-mcp. It consumes governed tools from the core-system adapters and publishes its own, so your assistant, orchestrator, or another module can call it directly. No credentials ever reach the model runtime, and every write lands in the human gate.
Consumes from core systems
- epic_get_activity_history
- gw_get_submission
- gw_get_policy_period
Provides to other agents
check_prebind_compliancereadLicensing, surplus lines and documentation checks before bind
audit_trail_for_recordreadEvery agent-written value on a record, with who approved it
stage_compliance_flagwrite · human gateRaise a compliance flag to the named reviewer
[ implementation playbook ]
How an agency actually stands Compliance Sentinel up — read-first, human-gated, and measured from day one.
Setup, in order
- 1
List your compliance obligations by state and line: licensing, E&O documentation requirements, disclosure rules, and carrier contract obligations.
- 2
Connect read access to the systems where compliance evidence lives — the AMS, document stores, and email.
- 3
Define the check library: the specific file reviews the sentinel runs (signed applications, disclosure delivery, license currency).
- 4
Set the severity model: what gets flagged as a finding versus a warning versus a note.
- 5
Run a full book scan in review mode and triage the backlog of findings with your compliance owner.
- 6
Move to continuous monitoring: every new transaction is checked as it happens, with findings routed to a named human.
Agency use cases
Pre-bind compliance check
Before a policy binds, the sentinel verifies the signed application, required disclosures, and license status — catching the missing signature before it becomes an E&O claim.
Audit readiness, always
When a carrier or regulator audit arrives, the evidence file already exists — every check the sentinel ran, with timestamps and the human who signed off.
License and appointment monitoring
Producer licenses and carrier appointments are tracked against renewal dates, with alerts early enough to fix a lapse before anyone sells on an expired license.
The first win to aim for
The first full book scan surfaces the findings you didn't know you had — and every one is fixed before an auditor finds it.
Guidance by agency role
Producers
Resolve license, appointment, and disclosure findings assigned to you before selling or binding, and document the corrective action in the system of record.
Account managers
Close documentation gaps at the transaction level, verify signed forms and delivery evidence, and escalate findings that affect coverage or binding.
Agency administrators
Maintain the obligation and severity library, assign every finding to a named owner, preserve evidence, and report aging and recurrence to leadership.
[ built for ]
[ where this sits in the vendor market ]
We recommend buying first wherever the market already solves a problem well. Here is what you can buy instead of building this — and where this module earns its place beside what you buy.
Products that already cover this ground
ACORD submission validation and compliance checking
Buy it when: Agencies and brokers whose submissions get bounced for data quality.
Where it falls short: Teams whose bottleneck is appetite matching rather than form completeness.
Carrier appointments, licensing, and appetite visibility
Buy it when: Agencies and MGAs with many carrier appointments to track and renew.
Where it falls short: Agencies with a handful of carriers and a spreadsheet that still works.
Works alongside products you already own