Surplus Lines Company Search

Surplus Lines

A Surplus Lines insurer is an unauthorized insurer that has been made eligible by OIR to write certain property and casualty insurance business not written by an admitted/authorized insurer. A Surplus Lines insurer that has been made eligible by OIR files an application with the office, provides detailed background information on its officers/directors/certain shareholders, and is subject to a financial review as part of the application process. A person insured by such Surplus Lines insurer does not have the protection of the Florida Insurance Guaranty Act to the extent of any right or recovery for the obligation of an insolvent unlicensed insurer.

Surplus Lines – Federally Authorized

Surplus Lines – Federally Authorized insurers are unauthorized insurers that has notified OIR of its intent to write certain property and casualty insurance business not written by an admitted/authorized insurer pursuant to the applicable provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act. A Surplus Lines – Federally Authorized insurer does not file an application with OIR and thus, does not provide detailed background information on its officers/directors/certain shareholders nor is it subject to a financial review by OIR prior to conducting business in Florida. A person insured by a Surplus Lines – Federally Authorized insurer does not have the protection of the Florida Insurance Guaranty Act to the extent of any right or recovery for the obligation of an insolvent unlicensed insurer.

Surplus Lines – Aviation/Wet Marine

Surplus Lines – Aviation/Wet Marine companies are an unauthorized insurers that have been made eligible by OIR to write aviation/wet marine insurance business not written by an admitted/authorized insurer. Eligible Surplus Lines – Aviation/Wet Marine insurers file an application with OIR and indicate they are able to meet financial obligations. A person insured by a Surplus Lines– Aviation/Wet Marine insurer does not have the protection of the Florida Insurance Guaranty Act to the extent of any right or recovery for the obligation of an insolvent unlicensed insurer.