Policy acknowledgment & staff-procedure attestations for independent agencies.
Your E&O (errors and omissions) renewal increasingly asks whether your staff follow documented procedures — and whether they have signed off on them. Publish each procedure, collect a dated acknowledgment from every producer and CSR, and keep one audit-ready trail — for an E&O renewal, a carrier audit, or an agency-perpetuation sale. You bring your own procedures and documents; Accedo distributes them, captures a dated acknowledgment from every producer, and keeps the audit trail.
Built for the independent agency the bundle forgot
There are roughly 39,000 independent insurance agencies in the US (2024 Big "I" Agency Universe Study), and the 10–50 employee agency is the sweet spot: big enough to carry real E&O exposure, small enough that nobody owns staff-procedure attestations full-time. Your agency management system — Applied Epic, Vertafore AMS360, EZLynx, HawkSoft — is a policy-of-record system: it tracks the policies you write for clients, not the internal procedures your own staff have to acknowledge. There is no insurance vertical HRIS, so signed staff acknowledgments end up in a shared drive, a binder, or someone's inbox.
Accedo fills exactly that gap. It is the one focused tool that publishes a procedure, collects a dated acknowledgment from every staff member, and keeps a timestamped attestation trail you can produce on demand.
The procedures you upload — and the attestations Accedo tracks
E&O renewal documentation
Many E&O (errors and omissions) carriers now ask, at renewal, whether your staff follow written procedures and have acknowledged them. Turn "we have procedures" into "here is who signed each one and when" — a dated trail you can attach to the renewal application.
Producer attestations & annuity suitability
Carrier appointments and the NAIC Suitability in Annuity Transactions Model Regulation (#275) expect producers to complete training and attest to it. Record each producer's acknowledgment — including state continuing education — in one place, dated and exportable. The training and certificate come from your approved provider; Accedo records the attestation.
AML for life & annuity
Producers who sell life and annuity products complete AML (anti-money-laundering) training. Collect a signed acknowledgment from every producer and keep the attestation ready for a carrier audit instead of chasing certificates at the deadline. The AML training comes from your provider; Accedo records the acknowledgment.
Make your agency perpetuation-ready
When you sell to a consolidator — an agency-perpetuation event — a clean, dated attestation record is exactly what makes the agency look acquirable. Many independent agencies book on the order of $1M+ in revenue, and Accedo at $500/year is trivial against the E&O exposure — illustratively $500K+ — that one undocumented procedure can put at risk.
Stay ahead of the trigger events — E&O renewal cycle, carrier audit, agency-perpetuation sale — with a clean acknowledgment trail instead of a last-minute scramble.
FAQ
What does an E&O carrier want to see at renewal?
Increasingly, evidence that your staff follow documented procedures and have signed off on them. Accedo lets you publish each procedure, collect a dated acknowledgment from every producer and CSR, and keep one exportable trail you can attach to an E&O renewal application instead of reconstructing it from email.
How does this help with carrier appointments and annuity suitability rules?
Carrier appointments and the NAIC Suitability in Annuity Transactions Model Regulation (#275) expect producers to complete training and attest to it. Accedo records who acknowledged each policy and training requirement and when, including state continuing education and AML for life and annuity, so you can produce a dated attestation for a carrier audit on demand.
Related reading for agencies
Errors and omissions renewal: documenting staff procedures
What an E&O renewal application looks for, and how a dated acknowledgment trail answers it.
NAIC Suitability Model #275: producer attestations you need on file
The annuity training #275 expects, why it varies by state, and how Accedo keeps the attestations.
Accedo works for any team that needs signed policy acknowledgments.
Document your compliance. Start free.
Stand up auditable staff-procedure acknowledgment for your agency in minutes.