Producer Portal

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.

Portal Features

Quick Quote

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

New Submission

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

Policy Lookup

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

COI Generation

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

Commission Dashboard

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

Document Downloads

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

User Roles

The portal supports three user roles within an agency:

Role	Description	Permissions
producer	Licensed agent who submits and binds business	Quote, submit, bind (within DA), view own book, generate COIs, view commissions
agent_support	Unlicensed support staff	View policies, download documents, generate COIs, cannot quote or bind
agency_admin	Agency owner or principal	All 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.

Quick Quote Workflow

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

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

Submission Tracking

The portal’s Submissions page shows all submissions in the producer’s pipeline:

Status Badge	Meaning	Action Available
🟡 Draft	Data entry in progress	Edit, Delete
🔵 Rated	Quote available	Bind, Re-rate, Print Quote
🟠 Pending UW	In underwriter’s queue	View, Add notes
🟢 Bound	Policy active	View Policy, Download Dec
🔴 Declined	UW declined the risk	View reason
⚫ Expired	Quote expired (30 days)	Re-submit

Email Notifications

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

Commission Dashboard

The commission dashboard shows earnings in real time:

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

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

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.

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.

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.

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.