NLIC.org

Brett Said:

Do insurance agencies do background checks?

We Answered:

Not exactly.

Depending on the type of business and the type of insurance, there might be verifying agencies to check, for example, your business TYPE, or if there's a workers comp surcharge, or prior claims history.

There's always an application.

But MOST insurance comanies won't write a "standard" policy on a brand new business, anyway. Most NONSTANDARD companies will do an physical inspection, and the policies might be "auditable".