In the eighth episode of our Surplus Lines 360 series, John Emmanuel and Zachary Lerner explore the definition of “home state” under the Nonadmitted and Reinsurance Reform Act (NRRA) — how it applies, the complexities of group policies, and the nuances of exposure based on risk location.

Photo of Zachary Lerner Zachary Lerner

Zach chairs the firm’s Insurance Transactional + Regulatory Practice Group and advises clients on their insurance M&A deals and key compliance matters. His experience ranges from cross-border transactions and insurtech compliance to surplus lines regulatory matters.

Photo of John Emmanuel John Emmanuel

John represents a broad spectrum of clients in the insurance industry, including insurance and reinsurance carriers, surplus lines insurers, captives, risk retention and purchasing groups, insurance agents, brokers, and third-party administrators. His clients value his significant industry experience and ability to deliver pragmatic…

John represents a broad spectrum of clients in the insurance industry, including insurance and reinsurance carriers, surplus lines insurers, captives, risk retention and purchasing groups, insurance agents, brokers, and third-party administrators. His clients value his significant industry experience and ability to deliver pragmatic advice on achieving business objectives and complying with complex regulations.