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Excess and surplus lines


Surplus-lines disclosure
Is any disclosure notice required when writing a surplus-lines policy?...


Direct placement tax
I just received a copy of a form entitled “Direct Placement Tax Return—Insurance Placement with Unauthorized Insurer or......


Surplus-lines tax—tax-exempt entities
Our client is a church. We placed the coverage in the surplus-lines market. The church officers say the church is tax-exempt, so they do not feel......


Surplus-lines cancellation
I have a New Jersey property account which has been in effect for more than 60 days. Now the company is canceling it due to a loss. The company is......


Rules for accessing the surplus-lines market
For risks that do not automatically qualify for the surplus-lines market, I continue to hear somewhat conflicting information about the need for......


Diligent effort
The Certification Of Effort To Place Risk With Authorized Insurer provides a place to record declinations below this statement: “The......


Minimum-earned premium
What about a surplus-lines policy with an earned-premium provision that states the annual premium is 100% earned at placement? Would this be......


CGL—third-party over exclusions
We are seeing third-party over exclusion endorsements on property owner policies written in the surplus-lines market. What are the coverage......


Massachusetts surplus-lines fees
What is the law on the maximum surplus-lines fee that can be charged in Massachusetts?...