Delegated Authority Controls: Maker‑Checker, Referrals & Audit Trails
DA programmes need clear authority boundaries and evidence. EI enforces the controls and logs the proof, end to end.
Why DA Governance Fails
- Ambiguous authority across coverholders and handlers
- No maker–checker on monetary or material changes
- Evidence scattered across inboxes and spreadsheets
EI Controls & Evidence Packs
- Referral paths to underwriters with thresholds
- Maker–checker for critical updates and releases
- Activity/audit logs and ready made evidence packs
Audit Readiness in Practice
- Field level QC and change history on packs and policies
- Versioning on bordereaux and reconciliations
- Monthly controls attestation with attachments
Operational execution is available via Coverholder Ops (BPO).
FAQs
How are referrals handled in EI?
Threshold-based referral paths route items to underwriters; approvals and comments are logged against the record with timestamps.
What maker–checker controls exist?
Dual approvals for monetary/material changes and releases, with segregation of duties and full audit history.
