Access & roles
Predefined role-based access control
Six fixed roles govern every action on the Auto Exchange. Permission sets are predefined and cannot be edited — users are assigned roles, and every stage transition checks the role at the point of action.
The six predefined roles
Exchange Admin
Full platform oversight for the InsuranceExchange.com auto desk team
9 of 10 permissions
RFQ Desk Manager
Runs the marketplace desk — routing, quote presentation, and binding
5 of 10 permissions
Producer / Agent
Licensed producer originating RFQs and presenting quotes to their clients
3 of 10 permissions
Carrier Underwriter
Appointed carrier responding to in-state RFQs with pricing
2 of 10 permissions
Compliance Officer
Point-of-action authorization, holds, and regulatory release
3 of 10 permissions
Service Ops
Post-bind servicing — endorsements, cancellations, claims intake
2 of 10 permissions
Permission matrix
| Permission | Exchange Admin | RFQ Desk Manager | Producer / Agent | Carrier Underwriter | Compliance Officer | Service Ops |
|---|---|---|---|---|---|---|
| Create RFQOpen a new auto RFQ on behalf of a consumer or account | Exchange Admin granted: Create RFQ | RFQ Desk Manager granted: Create RFQ | Producer / Agent granted: Create RFQ | Carrier Underwriter not granted: Create RFQ | Compliance Officer not granted: Create RFQ | Service Ops not granted: Create RFQ |
| Route to marketRelease an RFQ to appointed, in-state carriers | Exchange Admin granted: Route to market | RFQ Desk Manager granted: Route to market | Producer / Agent not granted: Route to market | Carrier Underwriter not granted: Route to market | Compliance Officer not granted: Route to market | Service Ops not granted: Route to market |
| Submit quoteReturn carrier pricing against an open RFQ | Exchange Admin not granted: Submit quote | RFQ Desk Manager not granted: Submit quote | Producer / Agent not granted: Submit quote | Carrier Underwriter granted: Submit quote | Compliance Officer not granted: Submit quote | Service Ops not granted: Submit quote |
| Present quotesShare returned quotes with the consumer | Exchange Admin granted: Present quotes | RFQ Desk Manager granted: Present quotes | Producer / Agent granted: Present quotes | Carrier Underwriter not granted: Present quotes | Compliance Officer not granted: Present quotes | Service Ops not granted: Present quotes |
| Bind policyBind the selected quote and issue the policy | Exchange Admin granted: Bind policy | RFQ Desk Manager granted: Bind policy | Producer / Agent not granted: Bind policy | Carrier Underwriter not granted: Bind policy | Compliance Officer not granted: Bind policy | Service Ops not granted: Bind policy |
| Place compliance holdStop an RFQ or bind pending review | Exchange Admin granted: Place compliance hold | RFQ Desk Manager not granted: Place compliance hold | Producer / Agent not granted: Place compliance hold | Carrier Underwriter not granted: Place compliance hold | Compliance Officer granted: Place compliance hold | Service Ops not granted: Place compliance hold |
| Release holdClear a compliance hold after review | Exchange Admin granted: Release hold | RFQ Desk Manager not granted: Release hold | Producer / Agent not granted: Release hold | Carrier Underwriter not granted: Release hold | Compliance Officer granted: Release hold | Service Ops not granted: Release hold |
| Manage servicingEndorsements, cancellations, claims intake tickets | Exchange Admin granted: Manage servicing | RFQ Desk Manager not granted: Manage servicing | Producer / Agent not granted: Manage servicing | Carrier Underwriter not granted: Manage servicing | Compliance Officer not granted: Manage servicing | Service Ops granted: Manage servicing |
| View analyticsLifecycle dashboards and exchange reporting | Exchange Admin granted: View analytics | RFQ Desk Manager granted: View analytics | Producer / Agent granted: View analytics | Carrier Underwriter granted: View analytics | Compliance Officer granted: View analytics | Service Ops granted: View analytics |
| Manage accessAssign predefined roles to exchange users | Exchange Admin granted: Manage access | RFQ Desk Manager not granted: Manage access | Producer / Agent not granted: Manage access | Carrier Underwriter not granted: Manage access | Compliance Officer not granted: Manage access | Service Ops not granted: Manage access |
Role definitions are fixed at the platform level. In production, assignments are managed by Exchange Admins and every permission is re-checked server-side at the point of action.