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The Producer Portal (apps/producer-portal) is the self-service interface for appointed agents and brokers. It provides everything a producer needs to quote, bind, service, and track their book of business — without calling the MGA.

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Portal Features

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Quick Quote

Drag-and-drop ACORD 125 upload with AI extraction, or fill a structured web form. Get an indication in under 30 seconds.

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New Submission

Full submission workflow with dynamic forms that adapt to the selected line of business and class code.

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Policy Lookup

Search active policies by insured name, policy number, or submission date. Full policy detail including endorsements and payment history.

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COI Generation

Instant Certificate of Insurance generation with customizable certificate holders. No waiting for the MGA.

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Commission Dashboard

Real-time earned and pending commissions, payment history, and 1099 download.

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Document Downloads

Declarations pages, endorsements, loss runs, and compliance documents — all available 24/7.

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User Roles

The portal supports three user roles within an agency:
RoleDescriptionPermissions
producerLicensed agent who submits and binds businessQuote, submit, bind (within DA), view own book, generate COIs, view commissions
agent_supportUnlicensed support staffView policies, download documents, generate COIs, cannot quote or bind
agency_adminAgency owner or principalAll producer permissions + manage users, view agency-wide book, manage API keys
Roles are assigned by the MGA admin when creating the agency appointment. Producers can invite additional users from the portal’s settings page.

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Quick Quote Workflow

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Via ACORD 125 Upload

  1. Navigate to New Submission → Upload ACORD 125
  2. Drop the PDF into the upload zone
  3. Workers AI extracts: insured name, NAICS, revenue, limits requested, state, effective date
  4. The portal displays the extracted data with confidence indicators — fields with confidence below 0.85 are highlighted for review
  5. Producer confirms or corrects the extracted data
  6. Rate → Premium display with factor breakdown
  7. Bind (if within auto-bind threshold) or Submit for UW Review

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Via Web Form

For new submissions or lines where ACORD extraction isn’t ideal:
  1. Select Line of Business → dynamic form renders
  2. Fill insured information, risk characteristics, coverage requested
  3. Loss history entry (up to 5 years) with prior carrier detail
  4. Rate → Quote summary
  5. Bind or Request Approval

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Submission Tracking

The portal’s Submissions page shows all submissions in the producer’s pipeline:
Status BadgeMeaningAction Available
🟡 DraftData entry in progressEdit, Delete
🔵 RatedQuote availableBind, Re-rate, Print Quote
🟠 Pending UWIn underwriter’s queueView, Add notes
🟢 BoundPolicy activeView Policy, Download Dec
🔴 DeclinedUW declined the riskView reason
⚫ ExpiredQuote expired (30 days)Re-submit

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Email Notifications

Producers receive email notifications at every status change. Notification preferences are configurable per user in portal settings.

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Commission Dashboard

The commission dashboard shows earnings in real time:

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Overview Cards

  • MTD Earned — Commissions earned on policies currently in force (pro-rata to today)
  • YTD Earned — Year-to-date earned commissions
  • Pending — Commissions on bound-but-not-yet-in-force policies
  • Next Payment — Amount and date of next commission check or EFT

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Transaction Detail

Every commission entry is traceable to a policy: 
Policy Number    | Transaction      | Gross Premium | Comm Rate | Commission | Status
GL-2025-000142   | New Business     | $4,250        | 10%       | $425.00    | Earned
GL-2025-000098   | Endorsement      | $380          | 10%       | $38.00     | Earned
GL-2025-000067   | Cancellation     | -$1,820       | 10%       | -$182.00   | Return

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1099 Download

At year-end, producers can download their 1099-MISC directly from the portal. The 1099 includes all commissions paid during the calendar year.

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API Key Management

Agencies that want to integrate directly (submission from their AMS, or automated policy lookups) can generate API keys from the portal:
  1. Navigate to Settings → API Access
  2. Click Generate API Key
  3. Name the key (e.g., “Applied Epic Integration”)
  4. Select permissions scope: submissions:write, policies:read, coi:generate, etc.
  5. Copy the key — it is only shown once
The API key authenticates requests to the OpenInsure API with the producing agency’s identity. All API actions are subject to the same DA enforcement as portal actions. 
# Using an agency API key
curl -s https://api.openinsure.dev/v1/submissions \
  -H "X-API-Key: oik_live_1234567890abcdef..." \
  -H "Content-Type: application/json" \
  -d '{ ... }'
:::note Agency API keys are scoped to the agency’s book of business. A key issued to Agency A cannot access Agency B’s submissions or policies — this is enforced by the same org_id RLS policies that protect the portal UI. :::

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COI Generation

Certificates of Insurance can be generated instantly for any active policy: 
POST /v1/coi/generate
Authorization: Bearer <producer_token>
Content-Type: application/json

{
  "policyId": "pol_01J8...",
  "certificateHolder": {
    "name": "Vermont Contractors Association",
    "address": "100 State St, Montpelier, VT 05602"
  },
  "additionalInsuredStatus": true,
  "noticeOfCancellation": 30,
  "specialInstructions": "Per contract, certificate holder is an additional insured."
}
The response includes a signed PDF URL from Cloudflare R2. COIs are stamped with the generation date, user ID, and a verification QR code that links to the live policy status. :::tip COIs can also be emailed directly to the certificate holder from the portal or via API ("deliverTo": "email@example.com"). The system maintains a log of all COIs issued for each policy. :::

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Portal Customization

MGAs can white-label the producer portal with their own branding:
  • Upload logo (light + dark variants)
  • Set primary color
  • Configure custom domain (e.g., portal.acmemga.com)
  • Add custom welcome text and support contact information
White-label settings are in Admin → Portal Settings.