Brokerage request template

Insurance claim authority signing request template

A policyholder's signed authority letting a broker or representative lodge and manage an insurance claim and deal with the insurer on their behalf.

Send a insurance claim authority request Browse all templates

What is a insurance claim authority?

An insurance claim authority is a document in which a policyholder or claimant authorises a broker, adjuster, or representative to lodge a claim, communicate with the insurer, and act on their behalf during the claim. It records the claim or policy it relates to, what the representative is permitted to do, and the policyholder's consent to share claim and policy information. Insurers generally need this before they will discuss or progress a claim with anyone other than the policyholder.

For a brokerage or claims handler, a signed authority is what allows the claim to move forward without the insurer refusing to engage. It also captures the client's consent in writing and provides evidence of the representative's mandate if the claim is later disputed. Keeping the signed authority on file helps claims proceed smoothly and protects both parties.

When to use a insurance claim authority

Lodging a new claim on a policyholder's behalf with their insurer
Authorising a broker to negotiate or correspond with the insurer or assessor
Acting for a claimant who is not the original policyholder
Renewing authority where a claim runs long or reopens after settlement

What to include in a insurance claim authority

Parties: the policyholder or claimant and the representative being authorised.
Claim reference: the policy and claim numbers the authority applies to.
Scope: what the representative may do, such as lodge, negotiate, or receive payment info.
Information consent: permission to obtain and share claim and policy details.
Signatures: the policyholder signs and dates to confirm the authority is granted.

Pros and cons of sending a insurance claim authority as a signing request

Pros

Send the authority as a private link rather than over an unsecured email
Track opens and signatures so you can lodge the claim without waiting
Reminders prompt the policyholder to sign while the claim is fresh
A completion receipt gives dated proof you were authorised to act

Cons and things to watch

A signing tool records consent but does not confirm the claim itself is covered
The insurer may require its own authority form alongside yours
An authority limited to one claim will not cover a separate or later claim
Tracking signatures does not verify the policy or claim details are correct

How to send a insurance claim authority with Cosign

Upload the claim authority and preview it to confirm the policy and claim references are correct before sending.
Add the policyholder or claimant as the signer and explain that their authority lets you act on the claim.
Set a 14-day expiry and add password protection given the personal and claim details involved.
Send the private link, watch the status as they sign, then keep the completion receipt with the claim file.

Insurance claim authority request details

Email subject

Insurance claim authority

Default message

Please review and sign this claim authority so we can act on your behalf.

Signer setup

Policyholder or claimant

Suggested expiry

14 days

Button label

Authorise claim action

Best fit

Brokerage teams

Insurance claim authority FAQs

Is an electronically signed claim authority valid in Australia?

In Australia, electronic signatures are generally recognised under electronic transactions legislation where the signer's intent and identity can be shown and the method is reliable. Insurers may have their own requirements, so confirm what they accept. This is general information, not legal advice.

Can someone other than the policyholder sign a claim authority?

A claimant who is not the original policyholder may need to sign, depending on the policy and the insurer's rules. Cosign lets you add whoever needs to authorise the claim as the signer. Confirm the insurer accepts an authority from that person.

Is the claim authority kept private and not searchable online?

Yes. The authority is sent as a private link to the named policyholder or claimant and is not indexed by search engines. Only someone with the link can open it.

How do I know the policyholder has signed so I can lodge the claim?

Cosign tracks each open, preview, and signature, and gives you a completion receipt once it is signed. That lets you lodge or progress the claim knowing the authority is in place.

What if the policyholder declines to sign?

If they decline, the status updates so you can follow up and discuss their concerns before proceeding. Without a signed authority, the insurer is unlikely to engage with you on the claim.