Last Updated: July 2026
State-by-state guide to surplus lines broker licensing, insurer eligibility, diligent search, disclaimers, reporting, and premium tax compliance rules.
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State Legal Survey – Surplus Lines – July 2026
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Bungled Effort
Only state regulators could complicate an effort to simplify the regulation of surplus lines.
Surplus Lines Dominate Cyber Insurance
The hard market pivot drove a lot of business to non-admitted insurers.
The New Class of E&S Insurers Is Picking Up the Pace
New surplus lines providers are now generating nearly $22 billion in direct premium written, but they have yet to show self-sustaining capital growth.