Policy Admin Systems That Actually Handle Florida OIR Compliance
For MGAs and wholesalers operating in Florida, compliance isn’t optional-it’s a moving target. Between premium tax filings, endorsement logs, policy versioning, and regulatory audits, even a well-run operation can feel like it’s always playing defense.
What makes the difference isn’t just your team-it’s your policy administration system (PAS). Most platforms don’t help you stay compliant-they make it harder.
That’s why Florida MGAs are choosing Expert Insured, a policy admin and agency management system purpose-built for high-regulation markets like Florida.
What the Florida OIR Expects
The Florida Office of Insurance Regulation (OIR) requires:
- Accurate premium tax reporting
- Carrier- and policy-level audit logs
- Transparent endorsement history
- Access control and role permissions
- Proper timing on filings and renewals
- Structured data for review-not email chains and spreadsheets
Where Most PAS Tools Fall Short
Legacy or generic PAS systems struggle in Florida because they:
- Don’t track endorsements at the field level
- Can’t export reports in Florida-required formats
- Don’t separate admitted and non-admitted program rules
- Rely too heavily on manual document storage and naming conventions
This puts MGAs at risk during carrier reviews, regulatory audits, or when onboarding new programs.
What Makes Expert Insured Different
Expert Insured was designed with compliance in mind-especially for markets like Florida.
Structured Audit Logging
- Every quote, bind, endorsement, and renewal is timestamped
- Tracks user, action, before/after values
- Supports internal review and external audits
Premium Tax & Bordereaux Exports
- Generates monthly, quarterly, and annual tax reports
- Bordereaux data structured by carrier and LOB
- Configurable for admitted and E&S lines
OIR-Friendly Document Generation
- Forms and decs versioned per change
- All documentation linked directly to policy and endorsement record
- Full change trail available for any policy
Role-Based Permissions & Controls
- Access segmented by producers, CSRs, underwriters, accounting
- Meets carrier and regulatory access control requirements
- Prevents data leaks or accidental policy changes
Use Case: Jacksonville MGA Survives Surprise Carrier Audit
Challenge:
This MGA was managing a large book of commercial flood and wind-only risks. A carrier requested an unplanned audit covering 18 months of endorsement, premium, and tax data.
Solution:
- Expert Insured exported complete policy change logs in 2 minutes
- Generated carrier-specific premium tax reports by quarter
- Pulled versioned decs and logs for 50+ midterm changes
Result:
- Passed carrier audit with no flags
- Avoided scramble across inboxes, files, and spreadsheets
- Created reusable reporting structure for future audits
If you’re tired of scrambling during audits or manually patching endorsement logs together, Expert Insured may be your next best move. Learn more about our Florida-ready agency management system, or review broader platform capabilities on the main Expert Insured platform page.
FAQs
Can Expert Insured export Florida premium tax reports?
Yes. It supports tax calculations and exports by carrier, line, and time period-format-ready for filing.
How does it track user-level compliance activity?
Each policy or endorsement has a full action log: who did what, when, and what changed.
What about producing audit-ready documents?
All documents are versioned and linked to the source policy/endorsement. No lost PDFs or folders.
Is it approved for both E&S and admitted program workflows?
Yes. You can set up compliance logic per program and apply separate bordereaux/export rules.
How quickly can we deploy?
You can be live with one book of business in 60-90 days, including full training and onboarding support.
Compliance isn’t just a burden. It’s a competitive advantage-if your platform supports it.
Expert Insured is helping Florida MGAs move from audit panic to audit-ready.
Let’s start your deployment. One book. One carrier. 90 days to peace of mind.
Also see:
