Simplifying Surplus Lines Compliance in a Rapidly Growing Market
The non-admitted insurance market is experiencing sustained growth, driving increased premium volume—and significantly greater regulatory complexity. As surplus lines business expands, brokers face heightened requirements around policy filings, premium tax calculations, stamping fees, and state-specific reporting deadlines. Managing these obligations manually, or across disconnected systems, introduces risk, delays, and administrative burden that can hinder growth.
ReSource Pro Surplus Lines Filings provides a centralized, technology-enabled solution that simplifies compliance, improves accuracy, and enables brokers to focus on writing profitable business in a fast-expanding market.
A Booming Market with Rising Compliance Demands
Since 2016, surplus lines insurance has grown steadily as insureds seek coverage for increasingly complex and emerging risks. Industry analysts project continued expansion through 2027, particularly across specialty property, casualty, and hard-to-place risks. While this growth creates opportunity, it also intensifies compliance demands for brokers.
Each state imposes its own surplus lines rules governing policy filings, premium tax calculations, stamping fees, eligible insurer lists, and reporting formats. Filing deadlines vary by jurisdiction, and even minor errors—such as incorrect tax allocation or missing documentation—can result in penalties, processing delays, or regulatory scrutiny.
As transaction volumes rise, managing surplus lines compliance internally becomes increasingly difficult without dedicated expertise and standardized processes. ReSource Pro helps brokers navigate this complexity with end-to-end surplus lines filing support designed specifically for the non-admitted market.
Comprehensive Surplus Lines Filing Services
ReSource Pro delivers a full suite of surplus lines compliance services that support brokers across the entire filing lifecycle, ensuring accuracy, consistency, and timeliness.
Policy Filings
Surplus lines policy information is submitted to regulators as policies are bound. ReSource Pro experts review all required data to ensure filings are complete, accurate, and compliant with state-specific requirements before submission on the broker’s behalf.
Premium Tax Reports
End-to-end management of premium tax reporting includes account setup, application of home-state rules, calculation of premium taxes, and submission of payments. This structured approach reduces the risk of underpayment or overpayment while ensuring timely compliance.
Zero Reports
Automated tracking of zero-report requirements allows ReSource Pro to file on behalf of licensees who did not place surplus lines business during a reporting period—without requiring action from the broker.
Surplus Lines Industry Connection (SLIC)
A secure online portal enables brokers to upload policy documents directly, access historical filings and tax reports, and monitor the status of active projects with 24/7 visibility.
CATT Surplus Lines Calculator & Tax Tool
This centralized compliance resource provides premium tax and stamping fee calculations, state-specific rules, forms, eligible insurer lists, export lists, and compliance calendars—helping brokers stay informed and compliant across jurisdictions.
Accuracy, Speed, and Transparency
ReSource Pro’s surplus lines workflows and proprietary tools are designed to reduce processing delays and improve filing accuracy. Standardized processes ensure each filing adheres to state-specific requirements, while secure data storage and audit-ready documentation support regulatory confidence.
Brokers benefit from transparent metrics and real-time visibility into filing status, reducing uncertainty and enabling proactive compliance management. By standardizing surplus lines processes, ReSource Pro helps brokers avoid costly errors while improving operational efficiency across high-volume filing environments.
Built on Deep Surplus Lines Expertise
Surplus lines compliance requires specialized knowledge that goes beyond general insurance operations. With more than 36 years of experience supporting surplus lines compliance, ReSource Pro has filed tens of thousands of policies and premium tax reports for brokers nationwide.
These services integrate seamlessly with Insurance Licensing, Corporate Compliance, and Compliance Reviews—providing a unified framework across regulatory obligations. In a single year, ReSource Pro processed more than 19,000 surplus lines policy filings and over 5,000 premium tax reports, demonstrating the scale, reliability, and maturity of its compliance operations.
Turning Compliance into a Competitive Advantage
For brokers operating in the non-admitted market, surplus lines compliance doesn’t have to be a bottleneck. By outsourcing filings to ReSource Pro, brokers reduce administrative workload, lower regulatory risk, and gain peace of mind knowing obligations are met accurately and on time.
This allows internal teams to redirect focus toward higher-value activities—serving clients, strengthening carrier relationships, and expanding specialty offerings. In a market defined by complexity and growth, a centralized, expert-led approach to surplus lines compliance transforms regulatory requirements into a foundation for scalable, profitable expansion.
