Insurance
DOI Compliant

Every Policy, Claim & Endorsement — Signed Digitally.

Accelerate policy lifecycles and claims processing. Zignature helps insurance companies digitize policy declarations, claims forms, and agent appointments — reducing turnaround from days to minutes.

Policy Lifecycle Automation — new business, renewals, and endorsements — all digital
Claims Fast-Track — digital FNOL forms with mobile photo attachments
Agent Portal — white-label branded portal for your agent network
Get Started - FREE View Pricing
No credit card required
Free plan available
Setup in under 5 minutes

*DOI compliance, identity verification & regulatory audit trails included with Enterprise plan at $99/mo.

Zignature
Policy Issuance
SOC 2
Send
Pacific Shield Insurance
500 Harbor Blvd, Suite 300, Newport Beach, CA 92660
Policy #: PSI-HO3-2026-04182
February 21, 2026
Homeowner's Insurance Policy Declaration
1. Coverage Summary

This policy provides coverage for the dwelling, other structures, personal property, and liability as described herein. Coverage is subject to the terms, conditions, and exclusions of the HO-3 Special Form as filed with the Department of Insurance.

2. Property Information

The described property is located at the address below and is classified as a single-family residential dwelling. Construction type: frame. Year built: 2018. Protection class: 4. Fire hydrant within 1,000 feet.

Policyholder Information
Policyholder Name
Robert & Linda Harrison
Property Address
1842 Maple Creek Dr, Austin, TX
Coverage Amount
$750,000
Policy Term
12-Month HO-3
Policy Details
Effective Date
02/21/2026
Policy #
PSI-HO3-2026-04182
Annual Premium
$3,840.00
Coverage Schedule
Coverage Limit Deductible
Coverage A — Dwelling $750,000 $2,500
Coverage B — Other Structures $75,000 $2,500
Coverage C — Personal Property $375,000 $1,000
Coverage D — Loss of Use $225,000 N/A
Coverage E — Liability $500,000 N/A
Coverage F — Medical $5,000/person N/A
Property Information
Construction Type
Frame / Brick Veneer
Year Built
2018
Square Footage
3,200 sq ft
Protection Class
Class 4 — Fire Hydrant <500ft
Policyholder Signature
Signature
Date Signed
02/21/2026 at 10:15 AM
Agent
Agent M. Nguyen, Lic# CA-0K29184
Pacific Shield Insurance · Confidential Insurance Document · Do not distribute Page 1 of 4
DOI Compliant
Encrypted · Audit Logged
Policy Progress Complete · DOI Secured
Zignature
Claims Processing
Verified
Send
National Mutual Insurance
Claims Division · Est. 1952
Claim #: NMI-CLM-2026-18294
February 21, 2026
First Notice of Loss — Property Claim
1. Incident Description

On the above date, a pipe burst in the upstairs bathroom of the insured property, causing significant water damage to the bathroom, hallway, and master bedroom below. The insured discovered the damage upon returning home and immediately shut off the main water supply. Emergency mitigation services were contacted within 2 hours of discovery.

Claim Information
Claimant Name
Jennifer & David Park
Loss Date
01/15/2026
Loss Type
Water Damage — Burst Pipe
Policy #
NMI-HO3-2024-07291
Adjuster Information
Assigned Adjuster
T. Rodriguez, AIC
Claim #
NMI-CLM-2026-18294
Reserve Amount
$42,500.00
Damage Estimate Summary
Item Category Amount
Water Extraction Mitigation $4,200
Drywall & Ceiling Structural $12,800
Flooring Replacement Interior $18,500
Personal Property Contents $7,000
Total Estimate $42,500
Claimant Signature
Adjuster Confirmation
Awaiting signature...
National Mutual Insurance · Confidential Claims Document · Do not distribute Page 1 of 3
Claims Status Tracker
4/5 Complete
FNOL Filed 3 min
Photos Uploaded (12 images) 5 min
Adjuster Assigned (T. Rodriguez) 1 min
Estimate Approved ($42,500) 2 min
Settlement Agreement In progress
Total elapsed: 11 min 28 sec Avg paper process: 30+ days
Claims Department

Accelerate Claims Resolution

Digitize the entire claims workflow: first notice of loss forms, proof of loss statements, adjuster reports, and settlement releases. The average property claim takes 30+ days to settle with paper workflows — Zignature cuts that dramatically.

Zignature streamlines every step from first notice of loss through settlement release with mobile-friendly forms, photo attachments, and adjuster field reports. Claimants can file from any device, adjusters can capture on-site inspections digitally, and all parties can sign settlement agreements remotely. Documents export as PDFs ready for claims management systems.

First Notice of Loss (FNOL) digitization — mobile-friendly forms with photo and video attachment for immediate claim intake
Adjuster field reports and estimates — capture inspection findings, damage assessments, and repair estimates on-site from any device
Proof of loss and sworn statements — legally binding attestations with identity verification and notarization-ready audit trails
Settlement releases and subrogation agreements — expedite claim closure with digital signatures from all parties including third-party vendors

Did you know? Insurance carriers using digital claims workflows report 60% faster claims resolution and 35% reduction in claims handling expenses compared to paper-based processes.

Zignature
Agent Appointments
DOI Verified
Send
Pinnacle General Agency
Managing General Agent · CA DOI License #0G84291
Appt #: PGA-2026-PA-0482
February 21, 2026
Producer Appointment Agreement
Agent Information
Agent Name
Sarah Chen, CPCU
Agency
Premier Risk Advisors LLC
License #
CA-0H84291
Lines of Authority
P&C, Surplus Lines
Commission Schedule
Base Commission
15%
Contingency Bonus
3% at 65% LR
Term
24 Months
Agent Signature
E&O Verification Status
E&O Verified
License Active
Background Clear
Pinnacle General Agency · Confidential Producer Document · Do not distribute Page 1 of 3
Appointment Pipeline
Q1 2026
Application
24
Verification
18
Contracting
12
Appointed
348
Avg. time to appoint: 1.8 days
Industry avg: 14 days
Appointment Progress Complete · DOI Verified
Agent Management

Streamline Agent Appointments

Digitize producer appointments, E&O verification, and commission agreements for your entire agent network. Eliminate paper-based onboarding delays and ensure every producer is properly licensed and appointed.

Managing an agent network involves hundreds of appointment agreements, license verifications, and commission schedules annually. Zignature digitalizes the entire producer lifecycle from initial appointment through ongoing compliance monitoring. Automated license verification confirms active status across all states, E&O insurance is validated before appointment, and commission agreements are signed and stored with tamper-evident audit trails.

Producer appointment agreements — digital onboarding with automated license verification and E&O insurance confirmation
Commission schedules and overrides — transparent, signed agreements for base commissions, contingency bonuses, and profit-sharing arrangements
Continuing education tracking — automated reminders and digital attestations for CE credit compliance across all licensed states
Termination and transfer processing — handle appointment terminations, book transfers, and run-off agreements with proper documentation trails

Did you know? Managing general agencies process an average of 500+ producer appointments annually. Digital onboarding reduces appointment processing time from 2 weeks to under 48 hours.

Zignature
Underwriting
Compliance Ready
Meridian Specialty Underwriters
Commercial Lines Division · A.M. Best: A (Excellent)
End #: MSU-END-2026-0391
February 21, 2026
Commercial Lines Policy Endorsement
Endorsement Details
Named Insured
Cascade Manufacturing Inc.
Endorsement
Additional Insured — Blanket
Effective Date
03/01/2026
Additional Premium
$4,200
Coverage Details
GL Limit
$2M / $4M
Policy Period
03/01/26 - 03/01/27
Deductible
$5,000
Authorized Signatures
Insured
Underwriter
R. Nakamura, CPCU, AU
VP, Commercial Lines
Meridian Specialty Underwriters · Confidential Underwriting Document · Do not distribute Page 1 of 3
Endorsement Audit Trail
DOI Ready Tamper-Proof
End-to-End Encryption Active
AES-256-GCM
DOC
GL_Endorsement_CascadeMfg_03012026.pdf
b8f4...c2a7...9e1d...f5b3
SIG
R.Nakamura_UW_Signature_02212026
a1e9...83fb...d4c2...7a6e
At rest
In transit
TLS 1.3 · FIPS 140-2
Tamper-Proof Audit Trail
Export PDF
Endorsement Signed
R. Nakamura (UW) · Additional Insured Endorsement
2:48:15 PM
IP 10.0.3.22 Chrome 122 / macOS SHA-256 verified
Insured Countersigned
Cascade Mfg Inc. · Authorized representative
1:22:41 PM
IP 192.168.4.18 KYC passed Identity confirmed
Premium Calculated
System · Additional premium $4,200 applied
11:05:00 AM
Auto-rated ISO Class Code 51152
Endorsement Created
Agent M. Torres · Initiated endorsement request
10:30:22 AM
Agent portal Lic# CA-0K84912
Document Integrity Seal
Tamper-Evident Certificate
This endorsement has not been modified since execution. Any alteration will invalidate the cryptographic seal and trigger an immediate DOI compliance alert.
Hash verified
Timestamp sealed
Chain intact
Endorsement Progress Complete · Compliance Ready
Underwriting

Modernize Policy Endorsements

Mid-term endorsements, additional insured requests, and coverage modifications all require multiple signatures. Zignature eliminates the back-and-forth by enabling real-time digital endorsement processing.

Commercial lines policies average 8-12 endorsements per policy period, each requiring insured and underwriter signatures. Traditional endorsement processing involves printing, mailing, waiting for wet signatures, and re-scanning — a cycle that takes 2-3 weeks per endorsement. Zignature enables real-time digital endorsement processing where all parties sign from any device, with documents exported as PDFs ready for policy administration systems.

Mid-term policy endorsements — additional insured, coverage modifications, and schedule changes processed in hours instead of weeks
Binder agreements and certificates — issue certificates of insurance and binder confirmations with automated delivery to certificate holders
Audit premium adjustments — digitize annual audit worksheets and premium adjustment agreements with supporting documentation
Excess and surplus lines filings — state-specific filing affidavits and diligent search forms with compliant signature workflows

Did you know? Commercial lines carriers process over 12 million endorsements annually in the US alone. Digital endorsement workflows reduce processing time by 78% and eliminate 90% of endorsement-related E&O exposure.

Use Cases

Insurance Use Cases

Zignature serves the full spectrum of insurance operations with document workflows tailored to each line of business and its unique regulatory requirements.

P&C Insurance

Personal lines auto, home, umbrella policies, renewals, endorsements, and cancellation notices with state-specific compliance workflows.

Life Insurance

Applications, medical exam authorizations, beneficiary designations, policy loans, and annuity contracts with NAIC-compliant e-delivery.

Health Insurance

Group enrollment forms, HIPAA authorizations, provider agreements, and benefit election changes with ACA-compliant documentation.

Commercial Lines

General liability, workers' comp, commercial auto, and property policies with multi-party endorsement and certificate management.

Specialty Insurance

Cyber liability, D&O, professional liability, and marine cargo policies with complex coverage-specific forms and surplus lines compliance.

Reinsurance

Treaty and facultative agreements, cession statements, and loss reserve reports with multi-party international signature coordination.

Zignature also serves managing general agencies (MGAs), third-party administrators (TPAs), InsurTech startups, wholesale brokers, surplus lines brokers, and program administrators — any organization that handles insurance documents and requires legally binding electronic signatures with regulatory-grade audit trails.

Our platform integrates with leading policy administration systems, claims management platforms, and agency management systems including Applied Epic, Vertafore AMS360, Guidewire, and Duck Creek — ensuring seamless document workflows across your entire technology stack.

Built for Insurance

The Platform That
Carriers Trust

From regional carriers to national insurance groups, Zignature powers document workflows with SOC 2 certified security and DOI-compliant audit trails.

Whether you're a P&C carrier issuing homeowner's policies, a commercial lines underwriter processing endorsements, or an MGA onboarding producers — Zignature adapts to your workflow with templates, automation rules, and compliance controls built specifically for insurance.

99.9%
Uptime SLA
256
Bit Encryption
SOC 2
Type II Certified

Carrier-Grade Security

Every document encrypted at rest and in transit with AES-256-GCM. Role-based access controls, IP allowlisting, and SSO integration for enterprise carrier deployments. Data residency options for state regulatory requirements.

DOI-Ready Audit Trails

Tamper-evident logs for every action with timestamped IP addresses and device fingerprints. Export comprehensive audit reports as examiner-ready PDFs for Department of Insurance market conduct reviews and compliance examinations.

Identity Verification

Built-in KYC with ID document verification and selfie matching. Verify policyholder identity before critical insurance documents are executed. Supports driver's license, passport, and state ID verification across all 50 states.

Multi-State Compliance

Automatically apply state-specific DOI requirements for e-signature validity. Built-in compliance rules for ESIGN Act, UETA, and state-level insurance regulations across all 50 states and DC.

Automated Renewal Workflows

Set up policy renewal reminders 60, 30, and 15 days before expiration. Auto-generate renewal documents from templates and send to policyholders for digital signature — reducing lapse rates by up to 35%.

Agency Management Integration

Export signed documents as PDFs ready to file into Applied Epic, Vertafore AMS360, HawkSoft, or any agency management system. API-first architecture for seamless integration with your existing tech stack.

Zignature
Insurance Hub Overview
Live
Export
Policies
1,456
+32% this month
Claims
892
60% resolved
Renewals
2,104
94% retention
Agents
348
All appointed
Recent Activity Today
Policy Issued: Harrison HO-3
Pacific Shield Insurance · $750K dwelling
2:14 PM
Claim Settled: Park Water Damage
National Mutual · $42,500 reserve
1:48 PM
Agent Appointed: S. Chen, CPCU
Pinnacle GA · P&C, Surplus Lines
11:22 AM
Endorsement Signed: Cascade Mfg
Meridian Specialty · Additional Insured
10:45 AM
Renewal Sent: Thompson Auto
Auto policy · 6-month renewal
9:30 AM
Monthly Signing Volume
+24.6% vs last month
Sep
Oct
Nov
Dec
Jan
Feb
4,800
Prior months
Current
TTD: 23,400 signatures
New Policy
File Claim
Endorsement
Department Summary
Personal Lines
78%
Commercial Lines
65%
Claims
60%
Life & Health
82%
DOI Compliant
SOC 2
256-bit
P&C · Life · Health · Commercial