Policy Licensing is your policy-by-policy compliance report for every in-force policy on your book. It checks whether the matched agency and agent on each policy hold the licenses the risk state and product require, then surfaces the policies that need attention so your licensing team can fix them before a regulator finds them.

Policy Licensing is the report you open when you need to know, one policy at a time, whether the producers writing your business actually hold the right license, in the right state, for the right product. Turris reads the matched agency, matched agent, risk state, and product on every ingested policy, then decides whether the licensing on file satisfies the rules for that pairing under the compliance mode you choose.

Who uses it. Licensing managers, compliance officers, and operations leads at carriers and MGAs use Policy Licensing as their daily license-remediation worklist, and to pull audit-ready compliance reports for downstream stakeholders and regulators.

Policy Licensing lets you:

Open Left sidebar → Policy Licensing. The page loads with four stacked bands that never scroll away from the table beneath them:

The table opens sorted by Policy Number, ascending. The following columns are shown in the full-width view:

Click any policy row to open a detail panel that slides in from the right. While the panel is open the table collapses to a narrow list showing only Policy Number, Status, Risk State, and Product so it stays readable in the reduced width. Click the X icon at the top-right of the panel to close it and return to the full table.

When Turris has transaction data for your book, each policy row also carries an expand chevron at the far left. Click it to open that policy's transaction history inline, directly beneath the row, without opening the detail panel.

When you'd do this. Different carriers and MGAs have different appetites for risk. Some only care that the agency is licensed (their agents write as sub-producers under the agency's license); others insist the named agent must be licensed too; others write captive business through individual agents. Compliance Mode tunes the report to match how your business is actually licensed.

Note: Compliance Mode is a calculation control, not a row filter. Changing it re-derives every policy's status; it does not hide any rows.

A mode you pick on the table is a session-only override. To make it the default that you and your team see on every future visit:

To drop the override and return to your saved default for this session, click Reset to default on the same banner.

Tip: The saved default is also editable from Settings → Business Rules → Policy Licensing, where it sits alongside other policy-level rules. Both surfaces write to the same setting.

The filter bar sits directly under the compliance-mode controls. Its tooltip reads: "Filter policies by compliance status, policy number, state, product, or agency."

The search box matches against the policy number, risk state (state name or code), product, and carrier. The match is fuzzy, so typing Trav finds Travelers and partial words match mid-string. To narrow by a specific agency, agent, or policy number, use the dedicated Agency and Policy Number dropdowns rather than the search box.

Note: No status badges are pre-selected on a fresh visit. To focus the list on problem policies, click the Non-Compliant and Pending Data badges yourself.

When you'd do this. A policy lands on the Non-Compliant, Pending Data, NPN Missing, or NPN Invalid list and you need to know exactly which side broke, which license or LOA is missing, and what the ingestion saw before it resolved to the matched entity.

Click any row in the table. The detail panel slides in from the right with these sections, top to bottom:

Beneath the summary, one card is shown per matched agency or agent on the policy. Each card carries:

When neither requirements nor licenses exist for an entity, the card shows "No requirements on file."

Tip: When an entity's status is Missing LOA, you usually already hold the right license class. You only need to add the specific Line of Authority called out under License Requirements, which is typically a much faster fix than issuing a new license.

Licenses that are inactive are hidden from the card. A license that is active but does not match any requirement on this policy shows with a hollow circle marker, which is informational only and needs no action.

When you'd do this. Audit prep, a market conduct examination, sending a downstream broker a snapshot of their book, or running offline analysis in a spreadsheet.

Click Export CSV at the right end of the filter bar. A dropdown opens with up to three options:

The export reflects the current Compliance Mode and the Include Expired toggle, so the download mirrors what you see on screen.

Note: Export CSV is disabled when the table has no rows. Adjust the filters until at least one policy appears, then re-open the dropdown.

Why is a policy showing Pending Data when I can already see licenses on the entity's profile? Pending Data means NIPR has not yet returned a snapshot for the matched agency or agent for the lookup that drives this calculation. Even if licenses were entered or imported elsewhere, the Policy Licensing engine waits for the NIPR-confirmed data, then re-evaluates the status automatically once it lands.

What is the difference between NPN Missing and NPN Invalid? NPN Missing means a matched producer that needs an NPN to be verified has none on file, so add the NPN. NPN Invalid means an NPN is on file but NIPR rejected it, so the value is likely wrong and needs to be corrected and re-synced. Neither one resolves on its own.

Does Compliance Mode change what I see in other Turris reports? The mode on this page only affects the Policy Licensing report calculation and its CSV export. Other reports evaluate compliance against their own rules and are not influenced by this selection.

Why does one of my products show a yellow badge with an alert icon? That policy's product has not been matched to your product catalog yet, so the policy reads as Unresolved. Click the yellow badge to jump to the policy in Policy Data, then run matching or assign the product manually. Once matched, the policy returns a definite verdict.

What is the difference between the Either Agency or Agent and Both Agency & Agent modes? Either Agency or Agent treats a policy as compliant as long as one side of the pair is licensed, which fits agencies that license at the firm level and let sub-producers operate under it. Both Agency & Agent requires both the firm and the named producer to hold the license, which fits captive-agent models and stricter carriers. Pick the one that matches how your business is licensed.

If you have questions about Policy Licensing or encounter any issues, contact our support team at support@turris.com.