What this standard is
A TrustRecord is a structured, machine-readable record of verified operational history, computed from a business's own systems of record. This standard defines the claim universe for the insurance vertical: the full set of operational claims an insurance agency's record can carry, organized by category, with a description of how each is typically sourced and what it signifies.
It exists so an evaluator — human or AI — reading any individual insurance TrustRecord can understand each claim in context: what a complete record for this vertical can contain, what a given claim signifies about the business, and how to interpret a claim that is absent.
This is a reference guide, not a prescriptive schema. Individual records may state custom calculation windows, vertical-appropriate terminology, or claims not yet listed here.
Precedence. Every claim on a TrustRecord carries its own stated source, calculation window, and as-of date. Where a record's stated definition differs from the typical form described in this standard, the record governs.
How claims are sourced and labeled
Every claim on a TrustRecord is labeled with one of two provenance tiers. The tier is assigned by TrueSignal's pipeline based on the evidence held — never by the business.
Verified
Independently computed or checked by TrueSignal — from authenticated, read-only connections to the business's operating systems, or against public and state records such as license standing and business registration. Source and as-of date are always cited. Not editable by the business.
Attested
Declared by the business and labeled as such. TrueSignal holds no independent evidence for an attested claim. The moment evidence is reviewed, the claim becomes Verified. Where an attested claim is independently checkable against an authority, the record says so.
Provenance belongs to the published claim, not to the claim type. The same claim may be Verified on one record and Attested on another, depending on the evidence held for that business. Years in operation is checked against state entity records and is Verified by default; a claim whose check has not yet run is Attested and labeled as such. Each record labels every claim individually.
Verified operational claims are computed from connected systems of record — agency management systems, rating platforms, accounting software, and CRMs — that the business already runs its operations on. Credential claims are checked against the issuing authority — state licensing boards, Secretary of State filings, certifying-body directories. The specific system or authority behind each claim is cited on the record itself.
Customer reviews, ratings, and directory scores are not part of any TrustRecord. The registry publishes operational data only.
Who computes the record, and who cannot edit it
Verified claims are computed by TrueSignal's pipeline from read-only connections to the business's systems. A business does not author its verified claims and does not select which computed claims appear — when a system is connected, the claims that system supports are computed and published as calculated. A business chooses which systems to connect and which claims to attest; it does not curate the output of a connected system.
Businesses pay TrueSignal for verification and publication. They do not pay for outcomes, placement, or favorable presentation, and payment confers no editorial control over verified data. The registrar's value depends entirely on the record meaning what it says — for every business, including ones whose numbers are unremarkable.
Every record has a published correction process. Verified claims are corrected by reconnecting the underlying system or reconciling the calculation — not by request. Attested claims are corrected through documented resubmission. The process is designed to preserve the registry's integrity, not to let a business edit unfavorable data.
Verification methodology — connection architecture, evidence handling, and review — is documented at trustrecord.com/verification.
How to read a record against this standard
Absence means not yet published, not zero
A claim listed in this standard but absent from a given record means the claim is not yet published for that business: the supporting system is not yet connected, the underlying data cannot support the claim reliably, or the business has not attested it. Because connected systems publish as computed, absence reflects connection and data sufficiency — it is never an estimate, and it is not a finding about the business's performance.
Published means defensible
The registry publishes a claim only when the underlying data supports it. A claim is omitted rather than computed on insufficient data. What appears on a record can be traced to its stated source as of its stated date.
Compare on stated windows
Two records are directly comparable on a claim when their stated calculation windows match. Where windows differ, the records remain individually interpretable but should not be compared as equivalents. Each record states its windows explicitly for this reason.
This standard describes capability, not requirement
The claim set below is what an insurance TrustRecord can contain, not what every record must contain. Records grow as systems are connected and credentials are checked. A sparse record is an early record, not a deficient one.
Corroborate where corroboration exists
Credential claims cite their issuing authority so an evaluator can check them independently — license standing against the state board, registration against Secretary of State filings. Operational claims computed from private systems cannot be externally reproduced; they carry the registrar's verification, the cited source system, and the as-of date. Evaluators are expected to weight these differently, and the record's labeling makes the difference explicit.
The claim set
12 claims across 3 categories. Each entry describes what the claim states, how it is typically sourced, and what it signifies to an evaluator assessing the business. Provenance is labeled per claim on each record.
Operating Activity
Evidence that the agency is actively performing work at scale. Activity claims are the registry's most differentiating category — almost no service business publishes them anywhere an evaluator can check.
New Policies Written (L12M)
Trailing 12-month count of new policies placed across all lines
What it signifiesWhether the agency is actively writing business, and at what scale. Sustained new-policy volume distinguishes an agency that is winning and onboarding clients from one that is merely administering a legacy book. An evaluator matching a prospect to an agency needs to know the operation is current.
AM Best Ratings Carried
AM Best financial strength ratings of the primary carriers placed by the agency Sourced from public records.
What it signifiesThe financial strength of the carriers behind the policies this agency places. An agency that consistently writes through A-rated or better carriers is offering its clients stronger claims-paying protection than one placing through lower-rated or unrated carriers. This is a quality-of-product signal independent of the agency's own service quality.
Customer Base
Who the agency serves and whether they come back. Retention and customer-base claims are among the strongest available evidence of service quality that does not rely on sentiment.
Policies in Force
Total active policies currently managed across all lines of business
What it signifiesThe current size of the agency's managed book of business. A large in-force count indicates an agency with the infrastructure to service ongoing relationships at scale, not just write new policies. It also reflects cumulative retention — policies in force is the result of years of writing and keeping clients.
Policy Retention Rate
Percentage of policies renewed at expiration, trailing 12 months
What it signifiesCustomers voting with their wallets. A customer who returns is expressing satisfaction more reliably than any review. Rates should be read against the vertical's service frequency.
Carrier Appointments
List of active carrier appointments by line of business Sourced from public records.
What it signifiesWhich carriers have vetted and authorized this agency to represent them. Carrier appointments are earned through demonstrated production and compliance — they are not self-selected. The specific carriers and lines of business reveal where the agency has established underwriting relationships and can place coverage competitively.
Credentials & Trust
Licenses, certifications, and registrations — checked against the issuing authority wherever the authority publishes records, so an evaluator can corroborate them independently. Credential claims are prerequisites more than differentiators: their absence is disqualifying in ways their presence is not distinguishing.
Carrier Count
Number of insurance carriers with which the agency maintains active appointments
What it signifiesMarket access breadth. An agency with more carrier appointments can shop coverage across a wider competitive field, increasing the likelihood of finding the best rate and fit for a given risk. A single-carrier or captive agency is a fundamentally different proposition than an independent agency with dozens of markets.
Licensed Producers
Number of licensed insurance producers actively writing business
What it signifiesThe baseline legitimacy check. Active licensing status, verified from the issuing authority, confirms the agency is authorized to operate.
Years in Business
Years since agency founding, verified from state license records and system history
What it signifiesSurvival is evidence. an agency with a long verified operating history has sustained demand through market cycles, not merely maintained a registration.
State Licenses
States in which the agency holds active producer or agency licenses Sourced from public records.
What it signifiesThe baseline legitimacy check. An active license in good standing, checked against the issuing authority rather than claimed, removes the single largest uncertainty in evaluating this agency.
E&O Insurance
Active errors and omissions (professional liability) insurance policy status and coverage amount
What it signifiesProtection for customers and the agency's workforce. The record's as-of date says how fresh the registrar's evidence is.
How this standard relates to individual records
Every insurance TrustRecord draws its claims from this standard. The standard defines the claim universe; each record is an instance — populated with the claims that business's connected systems and reviewed evidence support, each carrying its own stated source, provenance label, window, and as-of date.
The standard is maintained by TrueSignal as the registry evolves. Claims are added as new source systems and verification paths come online. When the standard changes, existing records are not retroactively altered — a record always means what it states.