Training Needs Assessment Checklist

Pull the current carrier appointment list from the AMS (Applied Epic, AMS360, EZLynx) and note any new appointments, terminations, or program-business changes since the last assessment. New WC programs, E&S markets, or cyber appetites typically drive new training needs.

Run an NIPR or Sircon CE status report for every appointed producer. CE hours and line-specific requirements vary by state; lapsed CE means a lapsed license and no authority to bind. Flag anyone within 60 days of a CE deadline.

Catalog the non-negotiables: GLBA Safeguards Rule training, NAIC Insurance Data Security Model Law / NYDFS Part 500 cyber awareness, OFAC screening, anti-fraud (NY Reg 95, CA, FL, NJ), AML for annuity/life writers, and HIPAA for any health or stop-loss lines.

Part 500 §500.14(b) requires regular cybersecurity awareness training for all personnel of any Covered Entity doing insurance business in New York. If the agency or carrier writes any NY business, this is in scope and must be documented for the annual CISO certification.

Use a short questionnaire covering ACORD form proficiency (125, 130, 140, 25), AMS workflows, COI issuance, endorsement processing, and prompt-payment timing. Ask people to rate confidence and to name the workflows they avoid.

Sit with the commercial lines manager, the claims lead, and any program underwriters. Ask where they're rewriting work, where bind authority breaches are happening, and where reserve or subrogation discipline is slipping.

Pull 10-20 recent submissions and 10-20 recent FNOLs. Score them for ACORD completeness, OFAC screening evidence, recorded-statement consent disclosure, and Texas Chapter 542 acknowledgement timing where applicable. Patterns drive training topics.

Map last cycle's performance appraisals to a competency matrix per role (producer, CSR, underwriter, adjuster, compliance). Look for clusters — multiple producers weak on E&S/surplus-lines tax filings is a single training topic, not five.

Rank training topics by the dollar exposure of getting it wrong: bind-authority breaches and unlicensed-state binding sit above ACORD-form polish. Compliance-mandated topics go to the top regardless of where the gap analysis ranked them.

Match topic to method: state CE through an approved provider (The Institutes, WebCE, Kaplan), AMS workflows via internal SME-led screen-shares, cyber awareness via an LMS like KnowBe4 or Ninjio, claims and underwriting deep dives in live workshop format.

Each training program needs a target metric, not just a completion box: post-assessment score ≥ 80%, COI error rate down by half, FNOL acknowledgement within 15 business days at 100%. Without a metric, you can't tell next cycle whether the training worked.

Build a line-item budget: vendor fees, CE provider seats, LMS license, internal trainer time, travel, and lost-productivity hours. The Institutes designations (CPCU, AINS, AIC) are higher per-seat but often justify themselves in retention.

Present to the agency principal, COO, or carrier CHRO with the prioritized topic list, the budget, and the measurable objectives. Tie each topic back to either a compliance obligation or a measured gap from the audit step.

If leadership returned the plan with revisions or rejected it, address the specific feedback — usually budget scope or topic prioritization — and recirculate before the cycle start date slips.

Push calendar holds for every participant before announcing the program. Producers who learn about training when their book is mid-renewal will skip it; the calendar block is the commitment device.