LICENSING & DISCLOSURES

Clear roles. Clear boundaries.

The P&C Insurance Desk combines technology and coordination with policy and claims support from Litmus licensed professionals. A brokerage enters the experience only when a client chooses to obtain or replace coverage.

WHO DOES WHAT

One coordinated Desk, with clear professional roles.

Litmus licensed professionals provide policy and claims support within the authority required for the service and jurisdiction. When a client chooses to obtain or replace coverage, the client's selected licensed brokerage firm handles the insurance transaction.

01LITMUS RISK

Technology and Desk coordination

Litmus Risk powers the institutional platform and coordinates the advisor-facing P&C Desk workflow. The software subscription is offered to professional organizations—not to consumers as a standalone retail product.

02LITMUS LICENSED INSURANCE PROFESSIONALS

Policy guidance and advice

Litmus licensed insurance professionals review insurance information, explain coverage, identify questions and potential gaps, and provide guidance and advice within the scope of their authority.

03LITMUS CLAIMS COACHES

Claims coaching after a loss

Litmus claims coaches are licensed adjusters with more than 30 years of experience who serve the advisor and client—not the carrier. They help people understand the process, collect information, document a loss, and prepare questions. Claims coaching does not include carrier claim adjusting, public adjusting, coverage determinations, settlement negotiation, or legal advice.

04CLIENT-SELECTED BROKERAGE

Insurance quotes and placement

A client may keep an incumbent broker or authorize an introduction to a vetted participating national brokerage firm through Broker Access. The selected brokerage firm provides quotes, places and binds coverage, and services the policy within its authority.

LITMUS LICENSING

Licensed professionals. Clear boundaries.

Litmus holds company licenses or registrations to support its policy and claims work across the jurisdictions shown below. Each service remains subject to the authority of the assigned professional, jurisdiction, carrier appointments where applicable, underwriting, market access, product availability, and the facts of the engagement.

CALIFORNIA PROPERTY & CASUALTY: License #6017185
CALIFORNIA ADJUSTER: License #2N60154

Wyoming

P&C / Agency

HOW THE P&C INSURANCE DESK WORKS

LITMUS SUPPORT

When clients access the platform, they authorize the Litmus engagement. Litmus licensed professionals can then provide policy and claims support within their authority.

PERMISSION BEFORE SHARING

Litmus does not share a client's information with a brokerage unless the client provides separate authorization.

BROKERAGE SERVICES

When a client wants to obtain or replace coverage, a licensed Broker Access firm handles quoting, placement, binding, and policy servicing.

THE CLIENT REMAINS IN CONTROL

The client decides whether to pursue coverage, selects the brokerage, and makes all final coverage decisions.

Questions about these disclosures?

legal@litmusrisk.com (833) 548-8677 toll-free