ADMITTED
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Admitted Lines | Insurance companies that are admitted are licensed in, and must follow guidelines that are set by the insurance department of each state they conduct business in. An admitted company's rates and forms, as well as practices, advertisements and cash reserves, are all regulated by the State's insurance department, and cannot be altered without prior approval by the State's Insurance department.
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NON-ADMITTED (E&S)
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Non-Admitted Lines | Insurance companies that are non-admitted are not licensed in the individual States, but are allowed to transact business in the various states because they fill needs that that cannot be handled by the State's admitted markets. Although each state regulates the placement of business in these markets to some extent (e.g. financial security, service of suit, etc.), their rates and forms are not regulated by the States, which allows them to charge rates and apply special conditions according to the risk exposure. This flexibility allows non-admitted insurance companies to take on higher risk applicants who have greater loss potential.
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Product offerings include the following:
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- Homeowners Insurance
- Automobile (Regular Use, Collectors & Antiques)
- Private Collections (Jewelry, Fine Art, Wine & Other Valuable Articles)
- Watercraft/Yacht
- Excess Flood
- Personal Excess Liability
- WC for Domestic Staff
- EPLI for Domestic Staff
- Kidnap & Ransom
- Aviation
- Group Excess Liability
- Builders Risk
- Admitted and Non-Admitted Markets
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- HO 3-4-6
- DP-3
- Owner and Tenant Occupied, secondary, secondary seasonal, Trusts, Estates, LLCs, Partnerships
- Personal Article Floaters
- COC/ Builders Risk
- Umbrella and Excess Liability
- Excess Flood
- Cobra Primary Flood (submit basis)
- Coastal and Other Cat exposures
- Florida Citizens (as intermediary)
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Our Guarantee to You
Timely Response to your submissions or questions
Hands on partnership to help you place your business
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MarketScout Partners