Category: Newsroom

New Law Requires Licensees to Include Their License Number on Emails


New Law Requires Licensees to Include Their License Number on Emails

Starting January 1, 2023, a new law will require most types of insurance producers, as well as independent insurance adjusters, public insurance adjusters, and analysts, to include their license number on emails. (California Insurance Code section 1725.5, as amended by Senate Bill 1242 [Committee on Insurance, Chapter 424, Statutes of 2022]) This Notice answers some of the most common questions about the new law.

Which types of insurance license does the law apply to?

The law applies to individuals and organizations* licensed as:
Property broker-agents
Casualty broker-agents
Life agents
Accident and health or sickness agents
Personal lines agents
Limited lines automobile insurance agents
Surplus lines brokers
Independent insurance adjusters
Public insurance adjusters
Life and disability insurance analysts

*Insurance Code section 1628 defines “organization” as meaning any legal entity other than a natural person. The term “organization” includes corporations, partnerships, Limited Liability Companies, and unincorporated associations that hold a license.

Does the law apply to all emails?

The law applies to every email, regardless of where the email is sent from or to, that involves an activity for which a person must hold one of the above types of license. Examples of emails that involve an activity for which a person must hold one of the above types of license include, but are not limited to, emails that:

Advertise a producer’s insurance business in general, or that advertise a specific policy offered by the producer;
Convey a premium quote or mention any other provision of a current, past, or potential policy;
Request rating or underwriting information from an insured or prospective insured;
Request payment of premium;
In the case of an independent adjuster or public adjuster, ask a claimant for claim information, or provide information about a claim or about filing a claim.

Does the license number need to be a minimum size?

Yes. The license number must be in a type size that is no smaller than the largest of any street address, email address, or telephone number of the licensee. For example, if an email includes a 10-point street address, an 11-point email address, and a 12-point telephone number, then the license number must be at least 12-point.

Does the license number need to be in a specific location on the email?

Yes. The license number of an individual licensee must appear adjacent to or on the line below the individual’s name or title. The license number of an organization must appear adjacent to or on the line below the organization’s name.

If an individual licensee sends an email while working for a licensed agency, and both the individual’s and the agency’s names appear on the email, which license number should be included on the email – the individual’s or the agency’s?


If an individual licensee sends an email while working for two or more licensed agencies, but only one of the agencies is involved in the transaction to which the email relates, does the license number of the other agency also need to be included on that email?

Yes. An email must include the license number of every agency whose name appears on an email.

Please direct questions to the Producer Licensing Bureau by Live Chat at Agents & Brokers Overview, email at, or telephone at (800) 967-9331.

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Mentoring the Health Insurance Industry’s Next Generation of Women Leaders

By Jessica Word

CEO, Word & Brown General Agency

As the daughter of one of the co-founders of Word & Brown GA, I grew up in the health insurance industry. It would have been easy to turn away from the “family business,” but I was fortunate that there were professionals over the years who took the time to help me focus, find my path, and recognize my leadership potential.

My journey made me recognize the significant role that mentorship plays for anyone who wants to advance in their career.

Then, it is no surprise that one of my areas of focus as a CEO is to foster and create development opportunities for young women looking to become benefits professionals. It’s important that agencies and brokerage houses make the time to nurture the development of women team members – they are our industry’s future leaders.

While we might all understand the need for mentorship, the last few years of pandemic work-at-home might have us out of practice. Let’s look at three cornerstones to successful mentorship.

It Starts Early: If a woman develops a personal relationship with a more seasoned professional early in her career, she is likely to be promoted more quickly than those without mentors, according to a study from SAP HR Research. This is why I’m passionate about mentorship – it’s a mutually beneficial relationship that helps both the mentee and mentor.

Over the last several years, I have mentored a student at California State University, Fullerton, every semester. I have learned so much from this woman and others during our regular conversations and they inspired me with their resiliency during the pandemic. Make no mistake, though, they need encouragement as much as anyone to develop a passion and nurture the drive necessary to make a mark in the business world.

One-on-One Relationships Are Critical: Most adults in a young person’s life are either family or faculty. One-on-one relationships, especially those with women just starting out in their careers, are key to seeing a broader picture of the business world.

This requires a regular time commitment to establish deep, meaningful, and organic connections. It can be challenging in our busy schedules, but we can all break away for a quick cup of coffee or lunch. A regular cadence of meetings not only is valuable for topics discussed, but it teaches the importance of holding to your commitments.

Having someone readily available to lend an ear when you need advice for a career shift, big move, or promotion is invaluable. Not only does it increase a mentee’s chances of success, but it creates a “pay it forward” mindset. And this kind of mindset has the potential to grow the number of women professionals in our industry, which is a great thing!

Network, Network, Network: We’re all familiar with the mantra, but beyond what it does for a young woman trying to get ahead, it is just as important to growing the number of women candidates applying to join our teams.

That’s one of the reasons why Word & Brown partnered with California State University, Fullerton, on a half-day event in the fall 2021. I worked closely with the college’s Center for Leadership; one of its key business programs is to create opportunities for women students to hear seasoned women leaders from a variety of industries talk about under-the-radar and hidden job opportunities. This event was truly one of the highlights of my year!

Finally, here’s a challenge from me to you: take the leap and reach out to a new women industry professional in the next month. There is power in reaching out to someone early in her career to offer important guidance that will help her to succeed. Who knows – she may eventually become a president of the National Association of Health Underwriters!

Jessica Word is CEO of Word & Brown General Agency. Established in 1985 and headquartered in Orange, Calif., Word & Brown is one of the state’s largest independently owned general agents. For additional information, visit

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