Business Rules is the panel inside the Settings modal where carrier, MGA, and wholesaler administrators set the organization-wide defaults that govern coverage thresholds, agency onboarding automation, AML/OFAC screening, policy data matching, and how Turris decides each policy's overall compliance verdict. What you configure here applies to every agency in your distribution network unless a specific rule supports a per-agency override.

Business Rules is where you decide how strict Turris should be when it evaluates policies, what work it should do automatically when a new agency joins your network, and how it should interpret a policy's compliance when the agency and the agent each carry their own status. Set the defaults once here and Turris applies them everywhere your team works.

Who uses it. Compliance, licensing, and operations leaders at a carrier, MGA, or wholesaler. It is typically configured by an administrator early in the rollout and revisited whenever underwriting standards, onboarding workflows, or licensing interpretations change.

The panel lets you:

Note: Every change is auto-saved about half a second after you stop editing. There is no Save button and the form does not flash a "saved" confirmation. The new value is committed to your organization the moment the request completes. If a save fails, Turris shows an error and reverts the field to its previous value.

Open the Settings modal from any screen and pick Business Rules from the sidebar:

What's visible on the page:

All five accordions are collapsed by default. Click an accordion header to expand it. Multiple sections can be open at the same time.

Note: Members without the Update permission on Business Rules see the panel in read-only mode: every input and toggle is greyed out. Members of organizations that have not activated their subscription see a "Become a Customer" prompt in place of the form.

When you'd do this. A new program is launching with different E&O minimums; you want every new agency screened against AML/OFAC by default; your team wants Turris to stop asking for a manual approval click on compliant agents; or licensing has decided a policy should count as compliant whenever the agency OR the agent is licensed, not both.

Tip: Numeric fields validate before saving. If you enter a Policy Expiry Grace Period outside the 10 to 60 day range, or a negative Agent Synchronization Limit, the value is not saved. Correct the input back into the allowed range and the next auto-save will commit it.

The first accordion covers E&O / Cyber coverage thresholds and the policy expiration grace period.

Tip: Out-of-the-box defaults are $5,000,000 aggregate, $1,000,000 per claim, and a 30-day grace period. Match these to the standards your program actually enforces so the coverage status indicator across your book stays meaningful.

The second accordion controls the work Turris does on your behalf when an agency is added, most often via the Invite Agency or bulk-add flows.

When you'd do this. You do not want your team manually pulling agency and agent compliance data from NIPR every time a new agency is added. Turn this on and Turris synchronizes licenses, lines of authority, and appointments automatically.

Note: Turning off Auto-Synchronize Compliance Data also forces Auto-Authorization off automatically, in the same save.

When you'd do this. Your compliance program requires AML/OFAC clearance on every agency before they write business, and you do not want a screening request sitting in someone's queue.

Warning: Toggling Continuous AML/OFAC Monitoring opens a confirmation dialog before the change applies. Enabling it shows Enable Continuous Monitoring with a message that only newly added agencies will be enrolled. Disabling it shows Disable Continuous Monitoring and warns that agencies already enrolled keep being monitored, and that you stop their monitoring individually from the AML/OFAC tab. Click Enable or Disable to confirm, or Cancel to leave the toggle as it was.

Note: Turning off Auto AML/OFAC Screening also forces Continuous AML/OFAC Monitoring off in the same save. Only agencies that have an NPN are eligible for auto-screening; agencies without an NPN are skipped silently.

The third accordion controls whether the primary contact at a newly added agency is automatically invited to the Agency App.

When the toggle is on, an informational panel appears beneath it: "Turris invites primary contact via email." It explains that if you add or bulk-add agencies, Turris sends the primary contact a link to the Agency App, where they sign in with their email address and manage the agency record.

Tip: Confirm with your operations team that the contact email captured at invite time is the right one. The invite goes to whichever contact is set as primary at the moment the agency is created; there is no separate field to specify the invitee.

The fourth accordion is a single toggle that controls what happens immediately after policy data is ingested.

Note: Auto-matching runs the same agency / agent matching algorithm as the manual action on the Policy Data page. The only difference is whether it kicks off automatically or waits for a click. Leave it on if your team uploads policy files frequently and you trust the match output without per-batch review.

The fifth accordion sets the default Compliance Mode for your organization. This mode decides how a policy's overall compliance status is calculated from the matched agency's and agent's individual compliance states, and it drives both the Policy Licensing report and the CSV download.

A short description above the selector reads: "The default policy compliance mode controls how the policy licensing report calculates each policy's overall compliance status. You can still override the mode per-session on the policy licensing page, and any change there will also update this default."

The selector renders as a segmented toggle labeled Compliance Mode, with the subtitle "How each policy's status is calculated, this is not a row filter." Beneath the toggle, an animated diagram visualizes the active mode using Agency and Agent chips combined with an operator glyph.

Note: Compliance Mode is a configuration control, not a row filter. Changing the mode re-derives every policy's verdict; it does not hide rows from the Policy Licensing report. Users can still override the mode for their session on the Policy Licensing page itself, but any per-session override also writes back as the new organization default.

The diagram beneath the segmented selector is built from three visual blocks. Use the table to read them at a glance.

Where is the Save button?

There isn't one. Business Rules auto-saves your changes about half a second after you stop editing. The page does not flash a "saved" notification, but the new value persists immediately and applies the next time the rule is evaluated.

Why didn't my Policy Expiry Grace Period save?

The grace period only accepts values between 10 and 60 days. Values outside that range are rejected by the auto-save. Adjust the value back into the allowed range and the next save will commit it.

Why doesn't Auto-Authorization show up in my panel?

Auto-Authorization is a nested control under Auto-Synchronize Compliance Data. Expand the Agency Workflow Automation section and turn on Auto-Synchronize Compliance Data, and the Auto-Authorization toggle slides into view beneath it. Turning the parent toggle off forces Auto-Authorization off as well.

I turned off Auto AML/OFAC Screening but my existing monitored agencies are still being monitored. Why?

Turning off Auto AML/OFAC Screening and Continuous AML/OFAC Monitoring only stops new agencies from being enrolled going forward. Agencies already enrolled in continuous monitoring keep being monitored until you stop their monitoring individually from the AML/OFAC tab.

What is the Agent Synchronization Limit for?

It caps how many agents per agency Turris auto-synchronizes when an agency is onboarded via invitation. Use it to keep Turris from syncing hundreds of agents at an agency where you only care about a handful. The limit does not apply to agents added individually or via bulk upload from the Agents tab.

Can I override these rules on individual agencies?

Some of them. Automated Policy Retrieval in particular can be overridden per agency. Look for the question-mark tooltips next to each setting; they call out which rules support per-agency overrides.

Does changing the default Compliance Mode affect every user?

Yes. The default applies organization-wide. More importantly, if any user changes the Compliance Mode on the Policy Licensing page itself, that per-session change also writes back as the new organization default, affecting everyone the next time they load the report.

Why are some of these settings greyed out?

You do not have the Update permission on Business Rules. The panel still loads in read-only mode so you can see what is configured, but every input and toggle is disabled. Ask an administrator to grant the permission or apply the change on your behalf.

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