In the ninth and final episode of Season 1 of our Surplus Lines 360 series, John Emmanuel and Zachary Lerner explore today’s hottest regulatory trends in the surplus lines market, including increased regulatory scrutiny through data calls, moratoriums, the rise
Locke Lord
Locke Lord is a global law firm that publishes blogs covering a wide range of legal practice areas and industries. Its content addresses topics such as energy, financial services, health care, insurance, private equity, real estate, bankruptcy, construction, corporate law, consumer financial services, employee benefits, environmental law, finance and banking, government and regulatory matters, and intellectual property. The firm provides insights on regulatory developments, litigation, transactional matters, and industry-specific challenges, including emerging issues like artificial intelligence in insurance. The blog serves as a resource for legal professionals and clients seeking updates and analysis on complex legal and regulatory topics across multiple sectors.
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Fifth Circuit Holds TCPA Does Not Require Prior Express Written Consent for Telemarketing Calls
In Bradford v. Sovereign Pest Control of Texas, Inc., the U.S. Court of Appeals for the Fifth Circuit held that the Telephone Consumer Protection Act (TCPA) does not require “prior express written consent” for telemarketing calls that use artificial or…
Bill to Limit Classification of Insurers as ‘Systemically Important’ Receives Bipartisan Approval by the House
On February 9, 2026, the House of Representatives, in a bipartisan vote, approved H.R. 3682. This bill would place additional guardrails on the Financial Stability Oversight Council (FSOC) in designating insurance companies as systemically important financial institutions (SIFI). The FSOC…
Now Available: Surplus Lines Update Portal – Weekly Subscription
We’re pleased to announce the launch of our Weekly Surplus Lines Update Portal, a comprehensive subscription service designed to help surplus lines carriers and brokers stay ahead of regulatory developments across all 50 states and U.S. territories. Navigating the…
Ninth Circuit Holds that Texts Are “Calls” Under the TCPA But Embedded Videos Are Not Recorded Messages
On January 13, the U.S. Court of Appeals for the Ninth Circuit issued a decision in Howard v. Republican National Committee (RNC) offering two important interpretations of the applicability of the Telephone Consumer Protection Act (TCPA) to certain text message…
Understanding the Surplus Lines Broker’s Role: Key Responsibilities and Regulatory Insights
Join Troutman Pepper Locke Partners John Emmanuel and Zachary Lerner as they break down the critical role of surplus lines brokers in insurance transactions. Learn the distinctions between admitted and surplus lines markets, the unique responsibilities brokers shoulder, and the…
AI Definitions a Challenge for Liability Insurers’ Exclusions
This article provides an excellent overview of the challenges insurers face in drafting policy language that keeps pace with the fast-evolving use of artificial intelligence. The author discusses how multiple insurers faced the challenge of defining what is “artificial intelligence”…
Illinois Amends the Definition of “Home State” for Unaffiliated Groups Under Its Surplus Lines Laws
On August 1, 2025, Governor JB Pritzker approved Senate Bill No. 1289, amending the definition of “home state” as it relates to more than one unaffiliated insured from a group and named as insureds on a single surplus lines…
D&O and Professional Liability 2024 – A Year in Review
The past year once again saw a breadth of court decisions addressing a wide variety of directors and officers and professional liability insurance coverage issues. At various levels, state and federal courts across the country issued notable decisions in this…
Oklahoma Issued Bulletin 2024-11: Use of Artificial Intelligence Systems in Insurance
On November 14, 2024, Oklahoma issued Bulletin 2024-11: Use of Artificial Intelligence Systems in Insurance. The Bulletin is applicable to all insurers that hold a certificate of authority to do business in the state and is based upon the NAIC…