Industry Issues | Surplus Lines Reform


APCIA 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 APCIA-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.

APCIA 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

Nebraska Introduces Bill Regarding Domestic Surplus Lines Insurers
LB 469 would allow the director of insurance to provide written authority to operate as a DSLI in the State of Nebraska to a nonadmitted insurer domiciled in Nebraska. 

New Hampshire to Consider Multiple Surplus Lines Bills
The NH legislature will take up HB433 regarding surplus lines terms and definitions, HB292 regarding surplus lines broker requirements, and SB189 related to surplus lines tax. 

South Carolina House Bill to Amend Medical Malpractice JUA
HB 3760 would subject surplus lines insurers to the association membership and assessment provisions.

Ohio Omnibus Bill Enacts Domestic Surplus Lines Insurer Provisions
Ohio becomes the 17th state to enact DSLI legislation in Senate Bill 273 to permit domestic insurers to be designated as a domestic surplus lines insurer.

New York Excess Line Insurers Reminded of Minimum Surplus Requirement Increase
ELANY Bulletin No. 2018-37 reminds excess line insurers that effective January 1, 2019, all eligible insurers must maintain a minimum policyholders' surplus of $47,000,000 to remain eligible in New York.

State Implementation: Legislation & Regulation

Bulletins & News Releases  | View all 

U.S. Surplus Lines Service/Stamping Offices Report Double-Digit Growth in 2018
Surplus lines premium reported to the stamping offices was $31.4 billion for CY 2018, an 11.3% increase over CY 2017.

Autonomous Vehicles: APCI Summary - January 2019 Update
Recent legislative and regulatory activity at the state and federal levels as well as "news and notes" links to studies and articles related to the increasing automation of the driving function.

Autonomous Vehicles: Industry Report - Deloitte: Regulating the future of mobility

E-Cigarettes: Emerging Insurance Risks Database
Summary background on risk of injury/damage, liability and insurance exposure, related legislation and regulation, and pertinent litigation.

Marijuana/Cannabis: Legal Articles – Wilson Elser: Will California’s Cannabis Regulation Limit Commercial Activity Between Licensed and Unlicensed Entities? New York Tightens Its Grip on CBD Even as the Feds Ease Industrial Hemp Restrictions

Marijuana/Cannabis: Article – Considerations for medical malpractice carriers on the risks behind new legislation and need to educate doctors about best practices for recommending medical marijuana.

Autonomous Vehicles: December 2018 Update
Summary of recent legislative and regulatory activity on Autonomous Vehicles at the state and federal levels as well as a "news and notes" section containing links to studies and articles related to the increasing automation of the driving function.

Federal Updates & Legislation  | View all

Federal Agencies Release Final Rule on Private Flood Insurance
The five federal agencies that oversee lenders have jointly released the final rule implementing Section 100239 of BW-12 related to lender acceptance of private flood insurance.

Congress Passes Farm Bill, Includes Re-Classification of Hemp as Legal Agricultural Commodity
Passage of conference report of the Agriculture Improvement Act of 2018 (H.R. 2), the Farm Bill, removes hemp from the federal list of controlled substances and permits hemp farmers to apply for crop insurance.

FDA issues statement on signing of the Agriculture Improvement Act and the agency's regulation of products containing cannabis and cannabis-derived compounds
See also FDA and Marijuana: Questions and Answers.

APCIA Signs Joint Letter to Banking Regulators on Private Flood
APCIA signed a joint trade association letter to the banking regulatory agencies to urge action to address uncertainties stemming from banking rules related to the "Private Flood Insurance."

New Federal Discussion Draft of AV Start Act Released
A Senate staff discussion draft of the AV Start Act (S 1885) makes several changes including provisions from the SELF DRIVE Act (HR 3888) that passed the House by voice vote last year. A legislative summary is provided along with comment on specific insurance-related matters of interest.

U.S. Treasury issues Request for Comment on 2019 Federal Terrorism Data Call
The Treasury Department published a Request for Comments on its proposed terrorism data call for 2019. The data call is identical in most respects to the 2018 data call. 

Background & Resources | View all

APCIA 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.

APCIA 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

APCIA: Surplus Lines Insurance Primer

A.M. Best Special Report - U.S. Surplus Lines
APCIA distributes this report to APCIA members with special permission from A.M. Best and the WSIA Education 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