Roster Scrubbing: Preparing for 2026 Compliance

 


In the world of insurance compliance, a "clean" roster is your most valuable asset. As we approach the 2026 Alabama appointment renewal cycle, many carriers overlook the single most effective way to reduce costs: Roster Scrubbing.

Because the Alabama Department of Insurance (ALDOI) does not allow you to remove producers from an invoice once it is generated on January 6, any "cleaning" must happen before the end of the prior year.

The Strategy Behind the Scrub

Roster scrubbing is the process of auditing your list of appointed producers to ensure you are only paying to renew individuals who are still actively representing your company. If you skip this step, you may end up paying renewal fees for:

  • Producers who have retired or left the industry.

  • Agents who no longer have a contract with your carrier.

  • Duplicates or individuals with lapsed licenses.

Your Pre-Renewal Checklist

To maximize your savings, your compliance team should complete these steps by December 31, 2025:

  1. Run a Comparison Report: Pull your current list of active appointments from the NIPR Producer Database (PDB) and compare it against your internal HR or agency management system.

  2. Flag Inactive Producers: Identify any producer who hasn't written business in the last 12 months or whose contract has been terminated.

  3. Submit Terminations Early: Use NIPR to file termination requests for these individuals. Remember, the deadline is 5:00 p.m. CST on December 31.

Why Accuracy is Non-Negotiable

Alabama’s renewal fees—ranging from $10 to $40 per person—might seem small individually, but for a carrier with thousands of appointments, failing to scrub the roster can result in thousands of dollars in wasted "ghost" fees. Furthermore, keeping inactive producers on your roster increases your regulatory exposure.

By taking the time to scrub your roster now, you ensure that your January invoice is lean, accurate, and reflects only the producers essential to your 2026 business goals.

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