BackNine Disclosure
Annapurna Insurance Solutions uses BackNine for carrier access and commission processing. BackNine facilitates contracting, appointments, and commission disbursement on behalf of our agents. Annapurna Insurance Solutions does not hold direct carrier contracts and does not operate as a brokerage. All carrier relationships are administered through BackNine's established infrastructure.
Compliance Disclaimer
Cover Agent AI includes compliance-aware safeguards and structured regulatory guardrails designed for regulated insurance environments. These tools are provided to help reduce messaging risk and support compliant operations. However, no technology platform can guarantee full regulatory compliance. Agents remain fully responsible for adhering to all applicable state insurance regulations, carrier guidelines, FINRA requirements where applicable, and all other industry compliance obligations.
Independent Contractor Notice
Agents affiliated with Annapurna Insurance Solutions operate as independent contractors — not employees. Agents are responsible for their own business operations, tax obligations, licensing requirements, continuing education, and regulatory compliance. Annapurna Insurance Solutions provides technology, carrier access, and support infrastructure but does not control the manner or method of an agent's business activities.
Technology Disclaimer
Cover Agent AI is a proprietary technology platform provided as a support tool for contracted agents. AI-generated content, suggestions, and recommendations are designed to assist agents but should not be considered as legal, financial, or compliance advice. Agents are responsible for reviewing all AI-generated materials before use and ensuring they meet applicable state regulations and carrier requirements.
