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Excess and surplus lines
Rules for accessing the excess-line market
For risks that do not automatically qualify for the excess-line market, I continue to hear somewhat conflicting information about the need for and completeness of declinations in the admitted market. Is there some “flexibility” that makes this less onerous?
Excess-line renewal application
Some wholesale brokers advise that they do not require a new application for a policy’s renewal. We would prefer to get a signed renewal application. What does the Department of Financial Services require for excess-line policies?
Excess-line cancellation
What are the cancellation rules for excess-line policies? Can an excess-line insurer cancel a policy with a short-rate penalty?
Massachusetts surplus-lines fees
What is the law on the maximum surplus-lines fee that can be charged in Massachusetts?