Holding an insurance license is an ongoing responsibility. Maryland regulators expect license holders to remain compliant year after year by meeting renewal deadlines, completing continuing education, and making required disclosures that can directly affect their ability to continue working in the industry. Here at Brown & Bullock, LLC, we help insurance professionals with all matters related to license renewals and disclosures. If you have questions or require assistance, please don’t hesitate to contact our Maryland insurance lawyers today.

Maryland Agencies That Regulate License Renewals and Disclosures

Insurance licensing is regulated at the state level, and oversight is handled primarily by the Maryland Insurance Administration. This agency is responsible for setting licensing standards, reviewing renewal applications, and enforcing compliance with insurance laws. The Maryland Insurance Administration’s oversight responsibilities include:

Issuing and renewing insurance licenses
Establishing continuing education requirements
Reviewing disclosures submitted during renewal
Investigating complaints and potential violations
Taking disciplinary action when necessary

In some situations, additional state or federal agencies may become involved, particularly when a disclosure involves criminal history, regulatory action taken in another state, or conduct that raises questions about honesty or financial responsibility.

Types of Insurance Licenses Subject to Renewal and Disclosure Requirements

Maryland requires regular renewal for most insurance-related licenses, and nearly all of them carry disclosure obligations. While licensure obligations occasionally overlap, different license types are treated differently depending on the nature of the work performed. Insurance licenses subject to renewal and disclosure requirements include, among others:

Insurance producers, including property, casualty, life, and health producers
Public adjusters
Bail bondsmen
Independent insurance adjusters
Insurance consultants and advisors
Certain limited lines license holders

Regardless of the license type, Maryland expects full transparency during renewal. Even issues that occurred outside of the state, or disciplinary infractions resolved without a hearing, may still need to be disclosed. The failure to adequately disclose often creates a separate licensure investigation that can lead to disciplinary fines, suspensions and license revocations.

License Renewal Requirements in Maryland

Most insurance licenses are renewed on a biennial basis. While renewal notices are typically sent in advance, the responsibility to renew on time always rests with the license holder. Missing a deadline or submitting an incomplete application can result in license expiration or enforcement action. Common renewal requirements include:

Submitting a renewal application through the appropriate state licensing system
Paying all applicable renewal fees
Completing required continuing education hours
Certifying compliance with Maryland insurance laws
Disclosing unreported administrative action or pending criminal charges
Responding to any follow-up requests from regulators

We have substantial experience assisting licensed professionals navigate the renewal process. The failure to properly complete a renewal obligation and timely disclose prior administrative action can create unexpected disciplinary issues for even the most seasoned insurance professionals.

Required Disclosures During License Renewal

During the renewal process, license holders are required to disclose certain events, even if they believe those events are unrelated to their current work or occurred long ago. Some required disclosures may include the following:

Criminal charges, convictions, or plea agreements
Regulatory or administrative actions in Maryland or other states
License suspensions, revocations, or voluntary surrenders
Financial issues that raise concerns about trustworthiness
Pending investigations or unresolved complaints

It is important to understand that failing to disclose required information can itself be treated as a violation. In many cases, regulators view omissions more harshly than the underlying conduct, particularly if they believe information was intentionally withheld.

Contact Our Maryland Insurance Attorneys Today

Here at Brown & Bullock, LLC, we understand how much is at stake when your professional license is on the line. Our firm can help ensure that your renewal application is accurate, complete, and properly supported. If you have questions or would like to speak with our firm, please don’t hesitate to contact us today.