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

Louisiana Seeks Study on Regulation of Private Market Flood Insurance
LA legislature to request LDI study the desirability and feasibility of state regulation of private market flood insurance and submit a report of its findings and recommendations by February 1, 2020.

Iowa Becomes 19th State to Adopt DSLI Law
Senate File 558 enacted to allow a domestic insurer to be re-designated a domestic surplus lines insurer authorized to write surplus lines insurance in the state.

Texas Updates Surplus Lines Regulations on Purchasing Groups
Newly adopted regulations require that TX surplus lines agents who procure surplus lines policies for purchasing groups file the policies with the SLTX and pay required stamping fees.

Louisiana Notifies Surplus Lines Insurers of Non-renewal , Cancellation Requirements
The LDI issued an Advisory Letter declaring the general applicability of the 30-day cancellation and nonrenewal notice requirements to surplus lines insurers.

State Implementation: Legislation & Regulation

Bulletins & News Releases  | View all 

Twenty-First State Enacts Domestic Surplus Lines Insurer Legislation
In 2019, IA, NE, NV, OH, and VT enacted legislation that establishes a DSLI designation for a domestic insurer with the authority to write surplus lines insurance in the state.

Autonomous Vehicles: March 2019 Update
Summary of 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 self-driving technology.

Marijuana/Cannabis: NAIC Cannabis Insurance Working Group Releases Update to White Paper Draft
White paper to identify insurance issues, gaps and opportunities facing the cannabis industry and to identify best regulatory practices to address these issues.

NAIC: Surplus Lines Working Group Releases Proposal for Comment; Considers Home State Premium Reporting
Working Group considers revisions to IID Plan of Operation; New Flood Insurance Coverage Supplement; and, state survey on home state premium reporting.

Marijuana/Cannabis: NAIC Working Group Exposes Cannabis Insurance Draft White Paper
Research explores the insurance issues, gaps and opportunities facing the cannabis industry, and best regulatory practices to address these issues

Cyber: AM BestTV Panel - A Key to Underwriting Cyber Risk Is Getting the Right Data
Industry experts examine the state of cyber risk modeling, including how insurers are learning to deal with 'silent cyber' and other developments.

Federal Updates & Legislation  | View all

Bipartisan Coalition of State AGs Urge Congress to Let Marijuana-Related Businesses Access Banking System
The SAFE Act (H.R. 1595) is co-sponsored by 172 Members of Congress, including both Democratic and Republican members.

Congressional Letter to President Seeks Board Nominations for NARAB Board
Members from both chambers of Congress collectively submitted a letter to President Trump asking for board nominations for the NARAB Board.

U.S. Treasury Request for Comment - TRIA Small Insurer Study
Treasury seeks to study the challenges faced by small insurers in the terrorism insurance market.

FDA Updates Guidance for Cannabis Products, New Warning Letters, and Announcement of Public Hearing
Press release reinforces FDA position that it is unlawful to introduce food with added CBD or THC into interstate commerce, or to market CBD and THC dietary supplements.

NAIC Exposes Private Flood MCAS Blank for Comment
Private flood insurance line of business to be added to the NAIC Market Conduct Annual Statement, initial collection of data would begin in 2021 for 2020 data.

House Financial Services Committee Passes Marijuana Safe Harbor Bill, Including for Insurers
H.R. 1595 to include an amendment expanding to insurers a safe harbor to provide financial services directly to cannabis-related legal businesses in states that have legalized marijuana in some form.

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 2019 State Tax Guide
The APCIA guide includes a brief summary of significant state tax and fee-related developments in 2018 affecting property/casualty insurers, including surplus lines insurance.

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 - 2019 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