Articles by Niji Sabharwal

Niranjan “Niji” Sabharwal is the co-founder and CEO of AgentSync, an insurance producer management software firm. Niji believes solving problems at scale requires the right proportions of people, processes, and technology. He holds a B.A. in business economics from the University of California Santa Barbara. Contact Niji at sales@agentsync.io

Insurance 101: Everything You Wanted to Know About HIPAA But Were Afraid to Ask

This post is part of a series sponsored by AgentSync. The Health Insurance Portability and Accountability Act of 1996 (HIPAA) may be one of the most commonly referenced health insurance laws, not just by insurance professionals, but in the everyday …

The Guide for Improving Your Ease of Doing Business

This post is part of a series sponsored by AgentSync. The Guide for Improving Your Ease of Doing Business addresses the age-old insurance industry problems spawned from decades of operations and compliance teams having to rely on legacy systems to …

Producer License Violation Fines in Georgia, California Adopts NAIC Producer Legislation, Utah DOI Changes Address

This post is part of a series sponsored by AgentSync. State by state variations of laws, compliance protocols, industry transparency, and general regulatory cultures can lend one the impression that keeping up with industry changes is a little bit like …

Insurance Professional Standards: Suitability, Best Interest, and Fiduciary Explained

This post is part of a series sponsored by AgentSync. Insurance producers have to follow different standards of care when it comes to serving their clients. While deception and fraud are never OK, depending on the situation, simply being honest …

How States Regulate or Limit MGA Non-Commission Fees: A Sample

This post is part of a series sponsored by AgentSync. Managing general agents (MGAs) are a black hole of insurance knowledge – with many avenues of compensation, it can be confusing to understand how MGAs are even allowed to collect …

It’s Demolition Time: Tear Down Your Information and Workflow Silos

This post is part of a series sponsored by AgentSync. Data and workflow silos are costing your insurance business time, money, and good people. It’s time to shed some light on these common issues and start breaking those barriers down. …

Obtaining a Carrier Appointment as a New Insurance Agency

This post is part of a series sponsored by AgentSync. If you’re just starting out as a small agency, as a firm or IMO, you may at first struggle with getting carrier appointments, but persistence is key to your success. …

Federal Insurance Laws in the 2021-2022 Congressional Session

This post is part of a series sponsored by AgentSync. Federal regulations of insurance are few and far between thanks to ages of history affirming that insurance regulation belongs to the states. But each session, intrepid Congresspeople submit aspirational bills …

Insurance 101: Agency-Level Licensing

This post is part of a series sponsored by AgentSync. Oftentimes, the administrative side including the specifics of who needs what license at an insurance agency is anything but straightforward. Generally, when we ask “Who needs an insurance license?,” your …

Why MGAs Should Proactively Verify Producer Data

This post is part of a series sponsored by AgentSync. Despite common industry misconceptions, managing general agents and underwriters (MGAs and MGUs) are also on the hook in a variety of ways for proactively verifying producer licensure. Insurance carriers are …