Laura’s Corner

The Guam Department of Insurance has announced key details regarding the 2026 Company Appointment Renewal cycle. All renewals must be processed electronically through NIPR between April 1 and June 30, 2026. Insurance carriers should review termination deadlines, invoice timelines, and payment requirements carefully to avoid non-renewal or administrative disruption. No late renewal period will be offered.

The Delaware Department of Insurance has revised Bulletin No. 98 to expand requirements for direct contact information associated with UCAA Form 14 filings. Insurers must ensure updated contact details for all listed contact types and notify the Department of personnel changes within 30 days. Catastrophe coordination contacts require immediate updates. The bulletin is effective immediately.

The Colorado Department of Regulatory Agencies (DORA) has issued a phishing scam alert after receiving reports of fraudulent emails impersonating a DORA enforcement notice. The email, falsely claiming to be from a DORA employee, urges recipients to take action. Insurance professionals and regulated entities are advised not to click suspicious links and to verify communications directly through official state channels.

By February, many agencies and carriers begin to notice patterns they missed at the start of the year. Licensing gaps, appointment issues, and incomplete CE requirements often become clearer once business activity picks up. These challenges rarely appear overnight—they develop quietly over time. February becomes the moment when organizations realize what’s working, what isn’t, and what needs attention before small issues become compliance risks.

While Continuing Education (CE) is often viewed as an individual producer responsibility, delayed CE completion can create enterprise-level risk. When CE is completed too close to license renewal deadlines, reporting delays and processing issues can disrupt appointments, revenue, and growth plans. Corporate leadership plays a critical role in setting expectations that encourage CE completion 90 days or more in advance, protecting both producers and the organization.