We set the highest standards in licensure, compliance, bonding and insurance coverages that exceed state and federal mandates.

SSAE 18 SOC 1 Type II Accredited

An SSAE 18 audit examines the collection agency’s operating guidelines and activities, controls, policies and personnel. When the collection agency meets the quality, security, confidentiality, compliance and safety requirements, they would receive the American Institute of Certified Public Accountants’ Statement on Standards for Attestation Engagements. Certification is a significant achievement and distinguishes the agency within the collections industry.

100% Compliant with All 50 States' Licensure and Bonding Requirements

Brown & Joseph is fully compliant with all 50 state licensing and bonding requirements. Some firms will vaguely claim they are licensed. However, it is important to ask them for proof or require that they at least submit an affidavit to you stating they are fully compliant with ALL state licensing and bonding requirements. Since it is an industry standard for insurers to require proof of licensure and bonding before appointing any agent/producers or even hiring a plumber, then any vendor who are hired to protect your financial interests and reputation should be held to the highest ethical licensing standards.

PCI DSS Compliant

We are PCI DSS compliant, meaning that we adhere to a framework of specifications, tools, measurements and support resources to ensure the safeguarding of confidential cardholder information at every level. Compliance with the PCI Data Security Standard is imperative to ensure that debtor payment card data is secure and proves we are committed to the highest identity and security standards to protect our clients.

Proven Experience in Recovering Commercial Insurance Debt

Commercial insurance-related debts are considered the most complex types of debts to recover. Premiums and claims complexities vary widely depending upon the diverse lines of coverages underwritten within either Property/Casualty or Life/Health industries. We are able to provide trade references, testimonials, case studies and resumes from key personnel to prove our expertise upon request.

Collection Agency Business Insurance Bonding

Collection agencies should carry all coverages necessary to protect their business operations, assets, personnel, as well as coverages to safeguard its clients and their financial interests. At minimum they should maintain $5 million in professional liability insurance if you want the same safeguards afforded and required by many of the nation’s largest insurers. If your collection agency commits a wrongful act, there is the possibility that a debtor insured could litigate for damages. It is further recommended that collection agencies maintain a security bond of at least $300,000 for the protection of the insurance creditors they may serve. It’s important that you ask the collection agency to provide proof of their insurance and bonding well in advance of your retaining their services. Copies of their respective Certificates of Insurance and/or policy declarations pages should be readily available.

Certified Member of the Commercial Law League of America (CLLA)

The CLLA certifies commercial collection agencies who meet the CLLA’s rigorous certification standards. A certified agency uniquely distinguishes themselves by displaying the certification seal.

International Debt Collection Ability

There are many reasons why it is important to select collection agencies with the experience and ability to collect on international debts, mainly to accommodate major carriers who provide insurance services to their foreign risks. Debtors not only relocate/skip to other U.S. states, but they may relocate abroad as well to avoid obligations. Agencies need to have protocols in place to follow these debtors to continue collection efforts that are in accordance with international laws. Additionally, there are instances where U.S. domiciled carriers insure the domestic operations of a foreign parent who is responsible for their accounts payable and finances. Global collection reach is also an indicator of an agencies overall thoroughness and due diligence.

Member of the Association of Credit and Collection Professionals (ACA)

Brown & Joseph is a member of the Association of Credit and Collection Professionals (ACA). Reputable collection agencies with varying levels of insurance proficiency customarily maintain membership and actively participate in various insurance trade associations. Their being accepted within respective associations serves to evidence their shared interest in serving the best interests of the insurance community at large. Active participation in trade association seminars and educational conferences ensures that collection personnel learn and have access to the most current events and changing laws that impact insurance recoveries.


Brown & Joseph is 100% compliant with the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Health Insurance Portability and Accountability Act (HIPAA) and the Telephone Consumer Protection Act (TCPA).

Associate Member of the National Association for Mutual Insurance Companies (NAMIC)

Brown & Joseph is an Associate Member of the National Association of Mutual Insurance Companies (NAMIC). NAMIC has been serving mutual insurance companies for over 120 years. It is the largest property and casualty insurance trade association with over 1,400 member companies. The goal of NAMIC is to strengthen and support members and the property and casualty insurance industry through leadership in advocacy, public policy, public affairs, and member services.

Member of the Insurance Collection Executives Association (ICE)

In addition to being a member of the Insurance Collection Executives Association (ICE), Brown & Joseph is also the founder of the ICE Education Committee.

Member of the Insurance & Accounting Systems Association (IASA)

Brown & Joseph is a member of the Insurance & Accounting Systems Association (IASA).

A.M. Best Recommended Expert Services Provider

Brown & Joseph is recommended and endorsed by A.M. Best as an “Expert Services Provider.” A.M. Best is the oldest and most widely recognized provider of ratings of insurers and the insurance industry. Its ratings are recognized as a benchmark for assessing an organization’s financial strength. Being affirmed as “Expert Service Provider” is the most coveted and prestigious status sought after by service vendors to the insurance industry. It is critical to ask all collection vendors if they are A.M. Best affirmed.

Ready to start collecting more money?
Contact us today!