Free Checklist Templates for Insurance

Insurance

OR

Annual Budgeting Checklist

Premium Revenue Forecast

Pull written and earned premium by line

Model retention and persistency by segment

Project new business by distribution channel

Build pro forma for new product launches

Apply rate change and exposure assumptions

Loss and LAE Planning

Project loss ratios by line and accident year

Forecast ALAE and ULAE separately

Layer in catastrophe and large-loss load

Price ceded reinsurance treaty changes

Operating Expense Budget

Build headcount and compensation plan

Forecast producer commission expense

Budget core systems and licensing costs

Allocate compliance and filing budget

Fund the cybersecurity program

Capital, Reserves, and RBC

Project year-end RBC ratio

Draft capital action plan

Set IBNR and case reserve targets

Plan holding company dividends and Form filings

Review, Approval, and Monitoring

Run sensitivity and stress scenarios

Define KPI dashboard for monthly monitoring

Present plan to CFO and finance committee

Lock the budget and capture sign-off

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Annual Insurance Review Checklist

General Liability Insurance

Pull the GL declarations page

Confirm per-occurrence and aggregate limits

Verify additional-insured endorsements

Property Insurance

Reconcile the property schedule against rent roll

Issue an endorsement updating the schedule

Verify replacement cost valuations

Confirm wind, flood, and earthquake coverage

Workers' Compensation

Confirm WC meets state statutory limits

Audit class codes against actual payroll

Verify employer's liability limits

Professional Liability (E&O)

Confirm E&O covers property management services

Verify the retroactive date predates first managed property

Check fair-housing claim coverage

Umbrella / Excess Liability

Confirm the schedule of underlying policies

Identify gaps between umbrella and underlying layers

Schedule a broker call to close coverage gaps

Directors & Officers Liability

Confirm coverage of all officers and managers

Review Side A, B, and C breakdown

Check fair-housing and discrimination exclusions

Cyber Liability Insurance

Confirm first-party and third-party coverage

Verify breach response and notification costs

Confirm required security controls are in place

Remediate missing MFA or EDR controls

Renewal Sign-Off

Hold the renewal meeting with the broker

Sign off on the renewal binder

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Anti-Fraud Checklist

Policyholder and Claimant Verification

Pull loss runs and prior-policy history

Verify identity in LexisNexis CLUE and ISO ClaimSearch

Confirm the policy was in force on the date of loss

Capture the recorded statement with consent disclosure

Claim Red-Flag Review

Score the FNOL against SIU red-flag indicators

Check ISO ClaimSearch for duplicate or related claims

Review claim timing against the policy effective date

Decide whether to refer the claim to SIU

SIU Investigation

Open the SIU case file in the case management system

Issue the reservation of rights letter

Schedule the examination under oath

Document SIU investigation findings

Payment Controls and OFAC Screening

Run OFAC SDN screening on the payee

Place the payment on hold pending compliance review

Verify the payee bank account via micro-deposit

Apply dual approval for payments over the carrier threshold

Log the payment in the claim file with audit trail

Reporting, Training, and Sign-Off

File the state Anti-Fraud Plan annual report

Submit suspected fraud reports to NICB

Run quarterly SIU red-flag training for adjusters

Sign off on the periodic anti-fraud review

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Anti-Money Laundering Checklist

Customer Due Diligence

Verify identity against CIP requirements

Screen against OFAC SDN and PEP lists

Assign customer risk rating

Apply Enhanced Due Diligence for high-risk customers

Schedule periodic CDD refresh

Transaction Monitoring

Calibrate monitoring rules and thresholds

Review automated alerts from the monitoring system

Investigate flagged transactions

File SAR with FinCEN within 30 days

Employee Training and Awareness

Deliver annual BSA/AML training to producers and staff

Distribute typology and red-flag updates

Test training effectiveness

Recordkeeping and Independent Testing

Retain AML records for five years

Conduct independent AML program audit

Track regulatory updates from FinCEN and state DOIs

Confirm BSA Officer designation and reporting line

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Audit Preparation Checklist

Audit Scope and Kickoff

Confirm the audit type and scope

Distribute the PBC request list to owners

Schedule the audit kickoff meeting

Financial Documentation

Compile financial statements for the audit period

Reconcile bank statements to the general ledger

Tie premium receivables to the policy admin system

Prepare the loss reserve and IBNR summary

Pull reinsurance recoverables and Schedule F detail

Compliance and Legal

Verify producer licensing and appointments

Confirm rate and form filings on SERFF

Check whether NYDFS Part 500 applies

Assemble Part 500 cybersecurity artifacts

Compile the GLBA Safeguards WISP and privacy notices

Document active litigation and reservation-of-rights matters

Internal Controls and Procedures

Walk through underwriting binding-authority controls

Test claims reserve cadence and adjuster authority

Review segregation of duties on cash and claim payments

Verify OFAC screening at issuance and at claim payment

Confirm the Anti-Fraud Plan filing is current

Test IT backup restoration and access reviews

Final Review and Sign-Off

Hold the pre-audit walkthrough with leadership

Lock the audit binder and grant auditor access

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Claim Processing Checklist

FNOL Intake and Data Validation

Acknowledge FNOL receipt to the insured

Validate insured and claimant identifiers

Run OFAC SDN screening on all parties

Classify loss type and severity

Coverage and Eligibility Verification

Pull the dec page and policy form

Confirm policy was in force at date of loss

Issue a reservation of rights letter

Verify reporting was within policy notice window

Documentation and Investigation

Request loss documentation from the insured

Take a recorded statement from the insured

Order CLUE and prior-carrier loss runs

Refer suspected fraud to SIU

Reserves and Excess Notification

Set the initial case reserve

Notify the excess carrier when warranted

Open subrogation and salvage files

Decisioning and Payment

Decision the claim within the prompt-pay window

Issue the denial letter with policy citations

Re-screen payee through OFAC before issuing payment

Issue payment and obtain signed release

Closure and File Retention

Close reserves and reconcile ALAE

Apply the carrier's retention schedule

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Claims Auditing Checklist

File Selection and Intake Review

Pull the claim file from ClaimCenter

Verify FNOL acknowledgment timing

Capture the coverage state and claim status

Screen claimant and payees against OFAC SDN list

Coverage and Documentation Verification

Match the loss to the declarations page

Audit the recorded-statement consent disclosure

Review the reservation of rights letter

Confirm subrogation notice on third-party losses

Reserve and Evaluation Review

Audit case reserves against the cadence

Validate ALAE reserves and vendor invoices

Assess reserve relative to the primary tower

Verify the excess carrier notification

Regulatory and Statutory Compliance

Audit Texas Chapter 542 prompt-pay timing

Audit the denial letter language and citations

Review the NAIC Data Security 72-hour trigger

Verify retention scheduling for the file

Audit Findings and Sign-Off

Score the file against the audit rubric

Issue the audit report and sign off

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Claims Investigation Checklist

FNOL Intake and Assignment

Log the FNOL in the claims system

Send the statutory acknowledgment letter

Verify policy is in force on the loss date

Run OFAC screening on claimant and payees

Coverage Analysis

Read the policy form against the reported facts

Identify coverage issues requiring an ROR

Issue the reservation of rights letter

Set the initial reserve

Investigation and Evidence

Take the recorded statement

Order police, fire, or incident reports

Collect scene photos and damage estimates

Pull the CLUE and prior loss history

Assess SIU referral indicators

Open the SIU referral

Decision and Communication

Reconcile evidence against coverage

Evaluate subrogation potential

Document the claim decision

Notify excess carriers if reserve crosses 50%

Send the coverage position letter to the insured

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Client Engagement Checklist

Prospect Intake and Qualification

Research the prospect's operations and prior carriers

Verify producer licensing in the prospect's state

Run OFAC screen on the prospect entity

Confirm the risk fits carrier appetite

Send tailored outreach via the preferred channel

Risk and Coverage Assessment

Conduct the intake interview using ACORD 125

Request five years of loss runs from incumbents

Review current dec pages and endorsements

Identify coverage gaps and exposure changes

Capture the target effective date and budget

Submission, Quote, and Proposal

Build the submission package with ACORD 125/130/140

Determine market posture for the account

Market the submission to appointed carriers

Log carrier responses as quote or indication

Present the proposal with A.M. Best ratings

Bind, Issue, and Onboard

Convert any indication to a bindable quote

Obtain signed application and bind authorization

Run the final OFAC screen before binding

File the surplus lines stamping office submission

Issue the binder and certificates of insurance

Schedule the 30-day post-bind check-in

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Commercial Policy Renewal Checklist

Pre-Renewal Preparation

Pull the T-90 expiration report from Epic

Verify producer license and CE on NIPR

Order 5-year loss runs from each carrier

Gather updated exposure data from the insured

Flag material changes in operations

Market and Quote

Build the remarketing submission package

Request renewal terms from the incumbent carrier

Compare quotes against the appetite guide

Run OFAC screening on insured and additional insureds

Proposal and Bind

Present the renewal proposal to the insured

Capture the insured's bind decision

Issue the non-renewal notice within state window

Bind coverage and request the binder

Post-Bind Compliance and Servicing

Issue updated certificates to holders

File surplus-lines tax and stamping

Schedule the workers comp premium audit

Archive the prior policy file per retention schedule

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Commercial Underwriting Checklist

Submission Intake and Clearance

Confirm submission is in carrier appetite

Clear the account in the policy admin system

Verify producer license and appointment

Run OFAC screening on insured and named parties

Risk Evaluation

Confirm ACORD applications are complete and signed

Pull five years of loss runs from prior carriers

Order MVRs, CLUE, and inspection reports

Verify exposure basis matches current operations

Score the risk against underwriting guidelines

Pricing and Quote

Refer substandard risks to senior underwriting

Rate the risk in the carrier rating engine

Apply schedule mods, credits, and surcharges

Calculate surplus lines tax and stamping fees

Issue the quote with terms and conditions

Bind and Issuance

Confirm all subjectivities have been satisfied

Verify producer is binding within authority

Issue the binder and policy documents

Record the underwriting decision and file the package

Send the declination letter with reasons

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Complaint Resolution Checklist

Complaint Intake

Acknowledge the complaint in writing

Log the complaint in the AMS or claims system

Classify the complaint source

Triage severity and escalation path

Send the complainant a next-steps letter

Investigation and Analysis

Pull the policy file and loss runs

Confirm coverage was in force on the date in dispute

Interview the producer and assigned adjuster

Identify the root cause

Consult compliance or coverage counsel

Resolution and Response

Draft the written resolution to the complainant

Submit the response to the DOI before the deadline

Issue payment or process the endorsement

Confirm complainant acceptance

Escalate to formal appeals or mediation

Closeout and Recordkeeping

Update the complaint register

File any required regulatory reports

Capture lessons learned for the quarterly review

Archive the complaint file per the retention schedule

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Compliance Audit Checklist

Audit Scoping and Kickoff

Confirm audit scope and applicable jurisdictions

Pull prior exam findings and CAPs

Notify business unit leads of evidence requests

Producer Licensing and Appointments

Reconcile NPN roster against NIPR records

Verify state-specific CE compliance

Confirm commission disclosures to commercial insureds

Identify any unauthorized binding incidents

File rescission notices and report to DOIs

Data Security and Privacy

Review the WISP against current operations

Verify MFA on all external network access

Confirm encryption of NPI in transit and at rest

Test the 72-hour cybersecurity event notification path

Audit the Section 500.11 vendor risk inventory

Review GLBA annual privacy notice for state variants

Underwriting and Claims Controls

Sample bound files for ACORD form accuracy

Review claim acknowledgement and decisioning timing

Verify reserve cadence on open claims

Run OFAC SDN screening on payees and claimants

Confirm Anti-Fraud Plan filings are current

Financial Controls and Filings

Reconcile premium trust accounts

Verify SERFF rate and form filing posture

Confirm surplus-lines tax and stamping filings

Confirm Holding Company Form B annual filing

Findings and Sign-Off

Compile findings into the audit report

Draft Corrective Action Plans for each finding

Compliance officer sign-off and board reporting

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Customer Inquiry Checklist

Intake and Caller Verification

Capture caller name and callback details

Authenticate the caller against AMS records

Classify the inquiry type

Review prior interactions in the activity log

Policy and Coverage Verification

Pull the current dec page and endorsements

Check for mid-term endorsements not yet on the dec

Review exclusions and special conditions

Confirm whether coverage applies to the inquiry

FNOL Handling

Capture loss date, location, and description

Report the FNOL to the carrier claims line

Send the carrier-assigned claim number to the insured

Resolution and Documentation

Deliver the response in writing

Issue updated COIs or endorsement requests

Log the activity in the AMS

Schedule a follow-up suspense

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Customer Onboarding Checklist

Submission and Application Intake

Verify producer licensing in the bind state

Collect signed ACORD 125 commercial application

Gather five-year loss runs from prior carriers

Request line-specific supplemental applications

Document operations, class codes, and exposure base

KYC and Compliance Screening

Run OFAC SDN screening on all parties

Verify the business entity and FEIN

Deliver the GLBA privacy notice

Disclose producer commission to the insured

Classify the risk for market placement

Prepare the surplus-lines diligent search affidavit

Quote, Bind, and Issue

Rate the risk in the carrier portal

Confirm the quote against bind authority

Present the proposal and capture payment selection

Execute the premium finance agreement

Issue the binder and policy documents

AMS Setup and Documentation

Build the account in Applied Epic or AMS360

Issue ACORD 25 certificates to certificate holders

Schedule installments and commission record

Calendar the premium audit and renewal review

Post-Bind Service Handoff

Send the welcome packet with claims reporting steps

Introduce the assigned account manager

Hold the 30-day onboarding check-in

Capture onboarding feedback from the insured

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Customer Retention Checklist

Book Segmentation and Risk Scoring

Pull the 120-day expiration report from the AMS

Tag accounts by retention risk tier

Flag accounts with active claims or open subro

Confirm producer of record and licensing

Proactive Insured Outreach

Schedule a stewardship call with high-risk accounts

Send a renewal-prep questionnaire to the insured

Document any coverage gaps surfaced

Confirm the insured's intent to renew

Remarketing and Save Effort

Build the remarketing submission package

Submit to alternate markets and wholesalers

Run a save offer for the non-renewing insured

Conduct the lost-account exit interview

Loyalty and Referral Program

Identify accounts at 5-year and 10-year tenure

Send tenure-milestone acknowledgements

Track and pay out referral incentives

Disclose producer commission per state rule

Service Quality and Feedback Loop

Run the post-claim NPS survey

Review carrier service complaints in the AMS

Hold the quarterly retention review

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Customer Service Request Handling Checklist

Inquiry Intake & Verification

Log the service request in the AMS

Verify the caller against the named insured

Confirm the policy is in force

Categorize the service request

Account Review & Triage

Pull the dec page and active endorsements

Review open claims and pending audits

Confirm producer licensing and appointment

Resolution Path

Issue an ACORD 25 certificate of insurance

Prepare the endorsement request

Open an FNOL with the carrier

Generate a billing and installment summary

Document the resolution in AMS activity notes

Customer Follow-Up

Send written confirmation through DocuSign

Disclose producer commission per state rule

Schedule the next service touchpoint

Quality Assurance & E&O Review

Run OFAC screening on new payees or additional insureds

Review the file against agency E&O standards

Capture insured satisfaction rating

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Cyber Security Checklist

Network and Perimeter Security

Review firewall ruleset against baseline

Confirm MFA on all external network access

Remediate identified MFA coverage gaps

Validate IDS/IPS alerting on producer portals

Audit wireless network segmentation

Data Security and NPI Protection

Verify encryption of NPI in transit and at rest

Review access logs for the claims and policy systems

Test backup restore for claim and policy files

Confirm retention schedule for closed claim files

Identity and Access Management

Reconcile producer accounts against NIPR licensing

Review terminated-employee access removal

Document remediation of orphaned accounts

Audit privileged-account inventory

Application and Endpoint Security

Review patch status across endpoints

Confirm EDR coverage on all issued devices

Schedule annual application penetration test

Triage outstanding application vulnerabilities

Cloud and Third-Party Risk

Refresh SOC 2 Type II reports for critical vendors

Open remediation tickets for vendor gaps

Review CASB alerts on policy and claims SaaS

Confirm 72-hour DOI notification runbook

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Cybersecurity Incident Response Checklist

Triage and Initial Classification

Log the suspected event in the incident register

Classify the event severity

Activate the incident response team

Issue litigation hold to custodians

Containment

Isolate affected hosts from the network

Revoke suspect sessions and tokens

Preserve forensic evidence

Confirm whether NPI was accessed or exfiltrated

Regulatory Notification

File the 72-hour notice to the state DOI

Notify cyber insurance carrier

Engage breach counsel under privilege

Map state breach-notification obligations

Eradication and Recovery

Remove the root cause from the environment

Restore systems from validated backups

Verify system integrity before cutover

Re-investigate the issues found

Post-Incident Review

Conduct the post-incident review

Update the WISP and IR playbook

Brief the Board or Audit Committee

Refresh employee security training

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Data Protection Checklist

Regulatory Compliance Mapping

Inventory states triggering Part 500 and Model Law

Refresh the GLBA Safeguards WISP

Confirm CISO designation under §500.4

File the §500.17 certification of compliance

Refresh GLBA privacy notices for state variants

Risk Assessment and NPI Inventory

Run the §500.9 cybersecurity risk assessment

Inventory NPI across PolicyCenter and the AMS

Conduct a privacy impact assessment on new processing

Document data subject and consumer request procedures

Encryption and Access Control

Verify encryption of NPI in transit and at rest

Confirm MFA on all external network access

Review role-based access and producer entitlements

Sample claim and policy access logs

Incident Response and Breach Notification

Update the §500.16 incident response plan

Run a tabletop exercise on a simulated breach

Document the 72-hour DOI notification protocol

Were findings identified requiring remediation?

Open remediation items in the GRC tracker

Retention and Secure Disposal

Refresh the policy and claim file retention schedule

Validate automated deletion in ImageRight and the AMS

Verify certificates of destruction from disposal vendors

Third-Party and Vendor Oversight

Refresh the §500.11 third-party service provider inventory

Collect SOC 2 Type II reports from critical vendors

Update data protection clauses in vendor contracts

Sign off on the annual data protection review

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Data Security Checklist

Security Program Governance

Confirm CISO designation under Part 500

Refresh the written information security program

Conduct the annual risk assessment

Document board reporting and sign-off

Technical Controls Review

Verify MFA on all external access

Confirm encryption of NPI in transit and at rest

Schedule annual penetration test

Validate audit-trail and logging coverage

Review user access against least privilege

Privacy and Data Handling

Refresh the GLBA annual privacy notice

Confirm data classification and retention schedule

Audit OFAC screening at issuance and payment

Update the third-party service provider inventory

Workforce Training

Deliver annual cybersecurity awareness training

Run a phishing simulation

Verify producer CE includes ethics and data security

Incident Response Readiness

Refresh the incident response plan

Test the breach notification workflow

Run a tabletop exercise

Document remediation plan for identified gaps

File the annual Part 500 certification

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Disaster Recovery Checklist

Risk Assessment and BIA

Run the annual Part 500 risk assessment

Score the business impact analysis

Map system dependencies and third parties

Confirm state retention and notification rules

Communication Plan

Refresh the stakeholder contact roster

Define the DOI and regulator notification path

Draft insured and producer notice templates

Test the out-of-band notification tree

Data Backup and Recovery

Verify the 3-2-1 backup posture

Confirm encryption of NPI in transit and at rest

Run a full restore test from off-site media

Open a remediation ticket for restore gaps

Infrastructure and Vendors

Reconcile the hardware and SaaS asset inventory

Validate failover for Tier 1 systems

Confirm MFA coverage for vendor remote access

Remediate vendor MFA gaps

Review SOC 2 Type II reports for critical vendors

Testing and Sign-Off

Run the annual tabletop exercise

Update the runbook from drill findings

Deliver staff training on the updated plan

Capture the CISO and board attestation

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Enterprise Risk Assessment Checklist

Scope and Risk Inventory

Define scope by line and legal entity

Inventory NPI across core systems

Map risks to NAIC and NYDFS frameworks

Score risks on a 5x5 heat map

Assign accountable risk owners

Technology and Cybersecurity Risk

Verify MFA on all external network access

Review vendor SOC 2 Type II reports

Test encryption of NPI in transit and at rest

Confirm annual penetration test on schedule

Remediate identified MFA gaps

Operational and Compliance Risk

Audit producer licensing in NIPR

Reconcile binding authority against carrier letters

Sample FNOL files for prompt-pay timing

Verify OFAC screening at issuance and payment

Review state DOI filing calendar

Financial Risk and Attestation

Test reserve adequacy and IBNR cadence

Calculate RBC ratio against trigger thresholds

Reconcile reinsurance treaties to policy forms

Review WC premium audit pipeline

Escalate findings to the board risk committee

Sign off on the assessment and CISO attestation

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Expense Management Checklist

Policy Review and Optimization

Pull the agency's E&O dec page and limits

Benchmark cyber liability against NYDFS exposure

Identify overlapping BOP and E&O coverage

Assess coverage gaps after hires or M&A

Bind additional coverage with the broker

Expense Tracking and Reporting

Categorize expenses against the chart of accounts

Reconcile AMS commission records to the GL

Review producer expense reports against agency policy

Configure spending alerts in the accounting system

Brief staff on receipt-capture timing

Vendor and Supplier Management

Inventory active vendor contracts and renewal dates

Run the Part 500 §500.11 vendor risk assessment

Open remediation with the flagged vendor

Solicit competing quotes before AMS renewal

Renegotiate volume pricing with the rating engine vendor

Compliance and Risk Management

Confirm expense files meet the retention schedule

Run the quarterly internal expense audit

Collect SOC 2 Type II reports from cloud vendors

Update WISP-aligned spending controls

Sign off on the quarterly expense review

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Financial Audit Checklist

Audit Planning and Engagement

Pull the prior-year audit report and management letter

Confirm external auditor independence under MAR

Set materiality and scoping thresholds

Issue the PBC list to controllership

Financial Statement Audit

Reconcile the trial balance to the Annual Statement

Test loss and LAE reserve adequacy

Confirm reinsurance recoverables with cedants

Verify written and earned premium cutoff

Test investment portfolio classification and valuation

Regulatory Compliance Testing

Review Holding Company filings (Form B, D, F)

Test producer licensing and NPN appointments

Verify OFAC screening at issuance and at claim payment

Determine whether NYDFS Part 500 applies

Test Part 500 cybersecurity controls

Confirm Anti-Fraud Plan filings are current

Operational Controls Review

Walk through the underwriting authority controls

Test claims handling timeliness

Review SOC 2 Type II reports for key vendors

Sample subrogation files for notice timing

Verify policy and claim file retention schedules

Findings and Sign-Off

Draft the audit findings and management letter

Hold the audit committee exit conference

Finalize the audit and issue the opinion

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