Welcome to the 26th edition of the Troutman Pepper Locke LLP Excess and Surplus Lines Law Manual. Updated for 2026, this edition reflects all of the pertinent changes in the surplus lines laws and regulations of the 50 states and
InsureReinsure
InsureReinsure, published by Troutman Pepper Locke, focuses on the regulatory and compliance aspects of surplus lines insurance. The blog covers topics such as the distinctions between admitted and surplus lines markets, the roles and responsibilities of surplus lines brokers, and the regulatory frameworks governing group insurance under the Nonadmitted and Reinsurance Reform Act (NRRA). It also addresses state-specific insurance developments, including licensing, tax obligations, and enforcement actions. Additionally, the blog discusses industry leadership changes, state regulatory bulletins, and emerging issues like the use of artificial intelligence in insurance. The content is aimed at professionals navigating the complexities of surplus lines and insurance regulation.
Latest from InsureReinsure
California Intervenor Reforms Move to Final Review as CDI Submits Proposition 103 Rulemaking
On April 20, 2026, the California Department of Insurance (CDI) announced that it has submitted its Intervenor and Administrative Hearing Bureau Fairness and Accountability rulemaking package to the Office of Administrative Law (OAL) for final review. CDI describes this…
Connecticut Insurance Commissioner Appointed
The Connecticut State Senate confirmed Josh Hershman as the insurance commissioner on April 8, 2026. Hershman has served as interim insurance commissioner since December 12, 2025. …
What New Fla. Citizens Bill Means for Surplus Lines Insurers
This article was originally published on Law360 and is republished here with permission as it originally appeared on April 7, 2026.
On March 17, after much debate in both the house and the senate, S.B. 1028, which establishes both an…
Home State Definition
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…
NAIC Signals Potential Tightening of Annuity Illustration Practices
Regulatory Landscape
In 2026, the NAIC Life Insurance and Annuities (A) Committee, chaired by Iowa and vice chaired by Michigan, is largely focusing on annuity sales practices, including annuity buyers guides, suitability, and annuity illustrations. Of particular interest to the life…
Things Every Policy Needs
In the seventh episode of our Surplus Lines 360 series, Zachary Lerner discusses what must be included in every surplus lines insurance policy: stamping language, service of suit clauses, and cancellation or non-renewal provisions.…
Florida Clears the Way for Commercial Surplus Lines Placements
On March 4, 2026, the Florida Senate approved Senate Bill 1028 (SB 1028), introduced by Senator Joe Gruters, which would establish both an admitted and a surplus lines clearinghouse for Citizens Property Insurance commercial policies. SB 1028, and its companion…
NY DFS Hosts Webinar on MFA Requirements
Key Point: Under the revised NYDFS Cybersecurity Regulation, covered entities must implement and enforce MFA for all access to all information systems — not just adopt MFA tools — and carefully document any CISO-approved compensating controls. Given the November 1, 2025…
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…