Last updated: August 2026
A state-by-state reference guide outlining surplus lines licensing requirements, definitions, licensure triggers, business entity rules, and governing statutes for insurance producers and surplus lines brokers.
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State Legal Survey – Surplus Lines Licensing – August 2026
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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.
The 2025 Agenda
The Council will continue to strive to ease the many state-level burdens on producers, particularly in licensing.