Official Government Website

Limited Lines Producer

Idaho lawmakers passed legislation eliminated the licensing requirements at the retail and individual level for Travel insurance. Licensing will be required of the wholesale entity and a designated responsible licensed producer. The licensed wholesale entity will oversee the retail outlets and sales staff offering travel insurance directly to the consumer.

The Idaho Department of Insurance Limited Lines Producer Pre-Licensing Manual contains in depth information regarding specific Limited Lines licensing requirements, Idaho Code and definitions.

It is recommended this manual be bookmarked, referenced, and reviewed often as a resource for limited line information.

Limited Line Types

In Idaho, limited lines include but are not limited to:

  • Credit insurance: Credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed automobile protection (GAP) insurance.
  • Pet insurance
  • Travel insurance:  Transportation baggage insurance, transportation ticket policies covering personal accident insurance.

There is no examination required for the above lines. However, reading the Limited Lines Producer Pre-Licensing Manual and sending the signed attestation with application is required.

  • Travel limited line licensing is only required of wholesale entities, along with their designated responsible licensed producer. Wholesalers must report at application, and annually thereafter, the retail outlets and individuals authorized under the wholesaler’s license, along with Idaho annual written premium for travel insurance, which can be submitted through a portal on the limited lines page.

Surety and Portable Electronics

Surety and Portable Electronics are also considered Limited Lines, although the licensing requirements for these lines of authority are different and Travel limited line requirements have been updated.

Surety (if carried alone without the Casualty major line of authority) requires an examination prior to licensure. Please review Idaho Code 40-507 for more information regarding Surety.

Portable Electronics is only available to business entities. Please review the Portable Electronics portion of our website for more information regarding this license type.

Reporting Portal

Wholesale entities must report retail outlets and individuals authorized under the Wholesaler’s Producer Limited Lines Travel license at initial application. This report must be sent if adding the line of travel to an agency license or applying for the producer license with the single line of authority (LOA) of travel.

An updated report must be submitted each year by March 1st

A retail outlet, whose license is not covering other retail outlets, you are not required to report.

This report will require the following information per travel retail outlet:

  • Name
  • Address
  • Contact information
  • Officer or person who directs or controls the travel retailer’s operations.
  • Travel retailer’s federal tax ID
  • Will certify travel retailer complies with 18 U.S.C. 1033 law.
  • Annual report of written premium for Idaho

FAQ

Where can I get a copy of my license?

You can obtain a PDF of your license by clicking here.

What is Travel insurance limited to?

Travel insurance covers risks with planned travel, including, but not limited to:

1. Interruption or cancellation of the trip or event

2. Loss of baggage or personal effects

3. Damages to accommodations or rental vehicles

4. Sickness, accident, disability or death occurring during travel.

Travel insurance does not include major medical plans, which provide comprehensive medical protection for travelers on trips lasting six months or longer, such as those working overseas as ex-patriot or military personnel deployed overseas.

How is travel insurance defined in code?

Travel insurance covers risks with planned travel, including, but not limited to:

1. Interruption or cancellation of the trip or event

2. Loss of baggage or personal effects

3. Damages to accommodations or rental vehicles

4. Sickness, accident, disability, or death occurring during travel.

Travel insurance does not include major medical plans, which provide comprehensive medical protection for travelers on trips lasting six months or longer, such as those working overseas as ex-patriot or military personnel deployed overseas.

If I am an individual or retail agency currently carrying a Travel producer license, what do I need to do with that license now that I no longer need to be licensed?

This license can be allowed to lapse at its normal expiration date if it only has the Travel line of authority. If listed as a line of authority on a producer license with other lines of authority, it can be cancelled using our form—while maintaining the other lines(s) of authority in the normal course. See website Forms and Links page under Licensed Professionals.

Do I have an option to maintain my travel producer license in order to continue to sell, solicit, negotiate insurance to the consuming public and not be restricted to activities as outlined in current law that do not require a license?

Yes, the law still requires a Designated Responsible Person (DRP) for each wholesale producer for travel limited lines, so the individual license continues to be available. As long as you carry a producer license with the travel line of authority, you retain the authority to sell, solicit and negotiate travel insurance directly to the consuming public and are not restricted to activities of an unlicensed individual in a travel retail outlet as outlined in the current code.

If I am an individual in a retail travel agency. What activities am I allowed to participate in as it pertains to the sale of travel insurance if I do not carry a producer license?

The code outlines activities the retail agency and individual may now participate in as it relates to travel insurance sales, if unlicensed, per Idaho Code §41-1092(4)(a-c). Additionally: Per (4) A travel retailer’s employees or authorized representatives who are not licensed as insurance producers may not:

  1. evaluate or interpret the technical terms, benefits and conditions of the offered travel insurance coverage;
  2. evaluate or provide advice concerning a prospective purchaser’s existing insurance coverage; or
  3. hold him/herself or itself out as a licensed insurer, licensed producer or insurance expert.

Additionally, they can include a description of coverage and price but cannot answer technical questions about terms and conditions of the insurance offered.

How does the Department of Insurance track who is authorized as a retail outlet or individual or representative authorized under the direction of a wholesale travel producer license?

The Wholesale limited line travel producer must submit a list of all registered retail outlets and the authorized individuals and representatives acting under their authority at time of application and every year on March 1st on a form prescribed by the Director. This registration is necessary for receipt of related compensation by the retail operation. This information can be submitted through an online portal on the limited lines page.

Does the authorized individual or representative require training in order to offer travel insurance?

Yes, the retail outlet and its authorized representatives must be trained in, at a minimum:

• instructions on types of insurance offered

• ethical sales practices

• required disclosures to prospective customers

• must explain that the travel insurance is not required to purchase any other product or service of the travel retailer Additionally, the retailer and its authorized representatives can:

• offer brochures or other written materials that provide identity and contact information for insurer and licensed limited lines travel producer

Where can I find information about limited lines other than travel?

We review the Limited Lines Manual for more information about Limited Lines.

How do I apply for a license?

Individuals wishing to obtain a limited line license click here. Please note that there is no examination for a limited line license however you will need to submit the signed attestation from the Limited Lines Producer Pre-Licensing Manual with your application.

Business wishing to obtain a limited lines license click here.

How long does it take for an application to be processed?

There are many factors that go into the processing time of an application. The department can typically process a non-resident individual license application within 1-2 business days of receiving all documentation.
Many factors can increase the processing time, including but not limited to:
• Fingerprints. Processing time does not include the time waiting for fingerprints. Your application is not considered complete until the fingerprints are processed and returned to the DOI. For more information on fingerprinting click here.
• Background Issues. If you have criminal offense that needs reviewed your application will be on hold while it is reviewed. You can speed up this process by ensuring that all needed documents are submitted with your application or are already uploaded to the NIPR Document warehouse. For more information on Criminal Offenses and licensing click here.
• Applying by paper instead of online. While there are licenses that must apply via paper most can be applied for online. Applying by paper process can add upwards of 4-7 days, not including shipping time to the turnaround time.
• Inaccurate information. Make sure that everything is correct in your application, including addresses, before submitting.
• Missing Items. Ensure that you have everything on your Application Checklist completed and ready to submit together with the application. Ensuring that all documents are submitted together will help speed the process.

How long is my license good for?

Your license will expire after two years if you do not apply for and are granted a renewal.

Individual Licenses expire on the last day of your birth month.

Business Entity Licenses expire on the first day of the month of issuance.

When can I apply to renew my license?

Click here for information on renewing your license.

How do I reinstate my license?

Click here for information on reinstating your license.

How long do I have to Reinstate a lapsed license?

1 year, click here for more information.

How do I change the name on my individual license?

In order to change the name on your license you will need to submit the Name Change Form along with proof of legal name change, to the Department. Examples of accepted forms are Marriage Certificates, Divorce decree (showing a court ordered name change), Driver’s License, Passport or Legal Order. DO NOT SEND YOUR SOCIAL SEUCIRTY CARD.

How do I change the contact information (address, phone number, email address) on my individual license?

For individual licenses, you may now make updates to any of your contact information by using the Change function online via NIPR or Sircon. Once updated, allow 24 hours for the updated information to appear on our website.

How long does it take for the website to reflect changes made by the Department of Insurance?

Any changes to your record are usually reflected within 24-48 hours of the change

How do I switch my license from Non-resident to Resident?

Click here for a step-by-step guide to changing your non-resident license to resident.

How do I surrender/cancel my license?

There is no negative consequence or penalty in Idaho for allowing your license to lapse for failure to renew. However, if you want to voluntarily surrender your license, you may submit the appropriate Voluntary Surrender Request form. The form can be found on the Departments Forms/Links page.

Have more questions?
Contact the Licensing Team

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