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Introduction to Surplus Lines

Surplus line insurance is coverage not available in the admitted market (insurance companies authorized to write insurance in the insured’s state of domicile) and therefore, placed with a non-admitted insurer not licensed in the insurer’s home state. Coverage is obtained through a licensed surplus line broker who must perform certain duties as required by California surplus line regulations. A diligent search must be performed prior to placing coverage with a non-admitted insurer, specific forms must be completed, and transaction documents must be submitted to the Surplus Line Association of California for compliance review.