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Improper Licensing Is The Fastest Growing Risk Issue

In 2007, licensing issues were not identified as a Top 10 risk exposure concern.  In 2010, it was number 4.  No other risk item has risen so fast. 

Recently I read a very good article in The Claim Spot addressing concerns that the market has regarding claims departments.  Within the article are links to Wolters Kluwer’s annual Top 10 Most Frequent Market Conduct Issues.    In 2010, licensing issues were the number 4 concern.  In 2007, licensing wasn’t even listed in the top ten.  Licensing was ranked tenth and sixth in 2008 and 2009 respectively. 

What does this mean? State agencies are becoming more vigilant about license regulation.  For example during emergencies, licensing department officials are increasingly in the field checking adjuster’s licenses.  Failure to be properly licensed can have serious consequences for the adjuster as well as the firm and carrier that they work for. 

If a claim is litigated, one of the first items to be reviewed is the adjuster’s license.  An invalid license immediately means trouble for the defendants.    

What doesn’t this mean? I don’t think this means that the industry as a whole has become increasingly lax about licensing because I think the opposite is true.  It think firms and carriers are paying more attention to licensing and are most likely more compliant today than they were in 2007.

More importantly, what does this mean to you?  If your firm has been soft on licensing, you should reconsider the priority that you give to licensing.  Marc Lanzkowsky offers some great advice in the article referenced above:  

  1. Audit for compliance:  Review where adjusters are being assigned claims.  Check each state’s website to make sure the state considers every license to be in good standing. Also, audit the business entity licenses to make sure the entity is properly licensed in the states that services are performed.  Remember, 19 states require the entity to be licensed.
  2. Fix and track problems: If you find serious issues with compliance, chances are you need to review your license management procedures.  First and foremost, self-regulation (adjusters being responsible for their own licensing) is not a good practice.  Look seriously at the level of importance given to licensing.  It needs to be a priority.  Assign a compliance person.  Someone within the organization needs to oversee licensing.  Don’t simply rely on information provided by the adjusters.  Go to each state’s website and verify an adjuster’s standing. 

In this regulatory and litigious environment, scrutiny of licensing will only continue to increase.  Do what you can to not be put under the microscope. 

About Xeneros: Xeneros helps organizations maintain business entity and independent adjuster licenses and the associated requirements.  Xeneros uses an innovative web-based software program which is supported and maintained by a knowledgeable compliance staff. For more information go to www.xeneros.net.

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