Major Lines of Authority

A key decision to make before applying for a new license is what lines of authority (LOA) the license holder needs. The LOA always need to reflect the full range of insurance products that the licensee intends to sell in a particular jurisdiction.

Surplus Lines & the Home State Rule

One of the things that makes the non-admitted market different from the standard market is the need to pay premium taxes and other fees on a policy-by-policy basis. When the risks covered by a policy are located in more than one state, the Home State Rule comes into play.