Surplus Lines Licensing

Surplus lines insurance is any insurance in North Carolina that covers resident risks (located or to be performed in North Carolina) that may be placed with an eligible surplus lines insurer. Surplus lines insurance does not include reinsurance; commercial aircraft, wet marine and transportation, life, accident, or health insurance; or annuities.

Licensees must hold an individual Surplus Lines license to place insurance directly with an eligible Surplus Lines Insurer. Resident and non-resident licensees must first hold both property and Casualty lines of authority (LOAs)  to obtain a Surplus Lines license. Residents must pass the  NC Surplus Lines Exam.   Resident  and non-resident individual Surplus Lines licensees automatically become a member of the North Carolina Surplus Lines Association (NCSLA) when they receive or renew their NC Surplus Lines license. Membership in the NCSLA is required by  North Carolina General Statute § 58-21-40 b. The Surplus Lines corporate entity is not required to be registered as a member — only the individual Surplus Lines licensee(s) associated with that agency/corporate entity. Non-residents licensees  must hold the Surplus Lines license in their resident state to apply for a North Carolina non-resident Surplus Lines license and must be members of the North Carolina Surplus Lines Association  as required by House Bill (HB) 262.

Surplus lines renewal FAQ's

Surplus lines requirements

Surplus Lines Association

Surplus Lines Licensable vs. Non-Licensable Activities