Industry Issues | Surplus Lines Reform

PCI Advocacy Takes Strategic Approach Regarding Nonadmitted and Reinsurance Reform Act (NRRA)

The "Dodd-Frank Wall Street Reform and Consumer Protection Act" (DFA), incorporated significant changes for surplus lines regulation through the Nonadmitted and Reinsurance Reform Act (NRRA). Read summary.

The enactment of the long-awaited Nonadmitted and Reinsurance Reform Act will bring about the PCI-supported streamlining of the compliance aspects of the surplus lines insurance market and the resolution of conflicting state laws governing the placement, tax payment and allocation of premium for multistate surplus lines risks.

PCI is taking a strategic approach to this issue and will continue to work closely with state legislatures, insurance departments and the NAIC to achieve uniform standards consistent with both the spirit and the letter of the act.

For questions about surplus lines or the NRRA, please contact David Kodama, assistant vice president, research.

Latest News

2018 Mid-Year Report Indicates Surplus Lines Premium Growth Nationwide
SLTX reports E&S premiums recorded by the 15 managing service offices have increased 9.4% to $15.7B, as of the end of the 2nd quarter. 

PCI Files Comment on Texas DOI Proposed Revisions to TAC Surplus Lines Insurance Chapter
PCI and AIA filed a joint comment letter in response to the TDI proposed revisions to the Surplus Lines Insurance Chapter 15 of the Texas Administrative Code.

Puerto Rico Rule 28 - Circulation of Risk Prior to Surplus Lines Placement
Did You Know: In Puerto Rico, the diligent search requirement is satisfied via a “risk circulation center” established and administered by the Office of the Commissioner of Insurance.

Rhode Island Governor Vetoes Objectionable Surplus Lines Bill
Vetoed H.7909 would have imposed problematic cancellation requirements on all surplus lines policies.

State Implementation: Legislation & Regulation

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Emerging Insurance Risks Database: Concussion/Brain Trauma
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Marijuana/Canabis: California Cannabis Track and Trace METRC system
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Autonomous Vehicles - White Paper: How Auto Insurance Can Adapt to Changing Risks
A Travelers Institute white paper presents an assessment of the existing auto insurance structure, both personal and commercial, in the context of resolving claims and providing fair compensation to accident victims as vehicles become more autonomous.

Emerging Insurance Risks Database: Cyber Security; Food Fraud & Safety
Executive summary including: key background, associated risk to injury and damage, related legislation and regulation, liability exposure and insurance, pertinent litigation, and a future outlook.

Fifteen States Have Enacted Domestic Surplus Lines Insurer Legislation
During the 2018 state legislative sessions, Georgia and Virginia enacted legislation that establishes a "Domestic Surplus Lines Insurer" (DSLI) designation for a domestic insurer with the authority to write surplus lines insurance in the state.

Autonomous Vehicles: News Article - Liability in the age of autonomous vehicles
An estimated 4.5 million autonomous vehicles will be in operation by 2030 according to the IIHS, and insurers will need to adapt.

Background & Resources | View all

PCI Cancellation and Nonrenewal Compliance Guide
A collection of recently updated charts on cancellation/nonrenewal laws in each state. Topics include cancellation/nonrenewal for personal and commercial lines, surplus lines requirements and exemptions, renewal notification and premium increase notice requirements.

PCI Releases 2018 State Tax Guide
The PCI guide includes a brief summary of significant state tax and fee-related developments in 2017 affecting property/casualty insurers, including surplus lines insurers

PCI: Surplus Lines Insurance Primer

A.M. Best Special Report - U.S. Surplus Lines Segment Review
PCI distributes this report to PCI members with special permission from A.M. Best and the Derek Hughes/NAPSLO Educational Foundation. A.M. Best retains the copyright to the report, and no part of this report may be distributed by any means, in whole or part, without prior written permission from A.M. Best.

Locke Lord LLP - 2018 Excess and Surplus Lines Law Manual
The Excess and Surplus Lines Law Manual is compiled and provided by: Locke Lord LLP ( For future updates to this publication, or any inquiries concerning this publication, contact John Dearie of Locke Lord LLP at