Last Updated: September 2026
State-by-state guide to surplus lines broker licensing, insurer eligibility, diligent search, disclaimers, reporting, and premium tax compliance rules.
This survey provides a state-by-state analysis of laws governing surplus (excess) lines insurance placement, including whether states require broker licensing and impose additional insurer eligibility standards beyond the NRRA, diligent search and disclaimer obligations, reporting and filing requirements, and premium tax rates for both broker-placed and direct placement transactions. Because state laws vary significantly and often lack uniformity, the survey serves as a practical reference for navigating compliant surplus lines placements across jurisdictions.
