Stop quoting before the dec page arrives

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Can brokers quote without a dec page?

Markets sometimes allow it with client attestation — but your file must document what you relied on. Blanket quoting without evidence weakens TAC and E&O defensibility.

What if the client truly has no prior insurance?

Document written confirmation on the checklist or signed application. Reject vague 'first time' texts without formal attestation.

Is a dec page photo from phone acceptable?

If readable and complete — approve on the line. Reject cropped glare shots that omit policy number or dates.

How does this relate to TAC?

RIBO Guidance 004 expects quote logs with premium, market, and broker comments. Quoting blind complicates the story your file tells.

Is this compliance advice?

No. Operational guidance. Consult your Principal Broker.

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