Surplus Lines Filing & Diligent-Effort Compliance Engine assembles a documentation-complete filing pack — diligent-effort affidavit, premium-tax calculation, stamping-office filing, and remittance — checked against the controlling home-state rules before a licensed surplus lines broker signs the release.
Every non-admitted placement triggers a compliance obligation that the placing surplus lines broker is personally, legally responsible for: document a diligent search of the admitted market, calculate the correct premium tax and stamping fee for the insured's home state, and file and remit to the state by a deadline that ranges from 15 days in Texas to 90 days in Florida. No two of the 50+ jurisdictions do this identically.
State insurance departments levy fines from $500 to $10,000 per late or incorrect filing; California adds a 10% penalty plus 1%/month interest, and repeat violations trigger license-suspension proceedings. Practitioner data attributes 89% of filing rejections to three fixable failure modes — incorrect tax calculations, missed deadlines, and incomplete diligent-effort affidavits.
Surplus Lines Filing & Diligent-Effort Compliance Engine exists to close that gap with a single, exhaustive standard applied identically to every filing.
We do not summarize the law and hope. Every pack is scored against a versioned rule pack tied to the exact text of each jurisdiction's surplus lines statute and stamping-office bulletin. These are the provisions each pack is held to.
A complete record of the diligent search of the admitted market, including declinations from at least three admitted carriers (or as required by the home state), with carrier names, dates, and reasons — all present, or the pack does not release.
The premium tax and stamping fee are calculated per the insured's home-state rate, verified against the state's current schedule, and reconciled to the penny — never estimated.
The filing date is verified to fall within the statutory window (e.g., 15 days in Texas, 90 days in Florida), computed deterministically from the policy effective date.
The surplus lines affidavit includes the insured's name and address, risk location, policy number, premium amount, tax and fees, and the broker's signed attestation — all present, or the pack does not release.
For risks covering multiple states, the premium is allocated according to the controlling home-state rule, with supporting documentation attached.
A confirmation of electronic filing or stamped receipt, plus a record of remittance, is included in the pack for audit-defensible recordkeeping.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A licensed surplus lines broker signs every release. That order is never reversed.
Upload the binder or dec page and policy details. We return a free compliance read: which diligent-effort, tax, and filing elements you already have, and which are missing.
As your authorized clerical agent, we retrieve the controlling home-state rules (rate, stamping fee, form, deadline, diligent-effort standard) and extract policy data from the binder or dec page.
The diligent-effort affidavit, tax calculation, and filing form are drafted from your validated data and the state rule pack into field-locked templates — no legal opinions, no invented facts.
Tax amounts reconcile to the state rate to the penny; the filing deadline is verified; the declination documentation is resolved; SCRA is screened. Any failure blocks release.
A licensed surplus lines broker reviews the exception queue and signs the release. High-value or complex multi-state placements route to attorney review first.
You receive the pack: diligent-effort affidavit, tax calculation, filing form, evidence log, and proof of filing — ready for the broker to submit under its own name.
The deliverable is completeness itself — every statutory element and search accounted for or explicitly exception-coded. Nothing is left implicit.
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
We prepare documentation and run searches as your clerical agent. We never contact the insured, give legal advice, or act as the broker of record.
Simple, predictable, and aligned with a compliance standard — not a cut of any premium.
Start with a free Compliance Gap Scan. Send your binder or dec page and policy details and we'll return a compliance read against every applicable state rule.
Documentation-completeness service · not legal advice · the broker submits every filing.