Preparing a surplus lines filing so the stamping office takes it
Filing is data entry against a policy document, under a deadline set by the state rather than by the agency. A stamping office wants a policy number free of punctuation and taxable premium separated from the fees that are not taxable. Enter one wrong and the correction stops being a simple edit once the transaction registers, because the fix then runs as a change request that can back the entry out and replace it. Behind the filing sits the diligent search record, which some states have dropped altogether while others want the declining admitted carriers identified and the evidence retained, and the state that governs is the home state of the insured.
A certificate request arrives as a sentence in an email, and answering it correctly requires deciding which endorsements the policy actually grants.
The agency management system is the record, and a standardised download feed keeps parts of it current. The feed is positional flat file in origin, its coverage varies by carrier and by line of business, and a policy that arrives without matching an existing record lands in a queue somebody clears by hand.
- Applied Epic
- Excel
- Outlook
When this is the wrong thing to build
Pick something else if the agency places surplus lines through a wholesaler who files as the surplus lines broker. The filing is then not yours to make, and what you need instead is the declination record leaving the office attached to the submission.
The constraint that shapes it
Producing a quote or binding coverage happens under a licence that is issued per state and per line, and separately under a carrier appointment, so a person can be licensed without being appointed. More on how this sector works.
Run the rules of the other side first, so the submission does not come back. Read what this shape is, or start from one of these.
- Counting the clock that public marketing starts on a listing
- Checking for a signed buyer agreement before a tour is confirmed
- Catching a filing rejection before the clerk does
- Catching the invoice lines an e-billing gate will reject
- Checking that a technician may legally take the call
- Filing a backflow test report the purveyor will accept
- What gets a surplus lines filing rejected by the stamping office?
- Which state do I file surplus lines tax in for a multi state insured?
- How do I document a diligent search of the admitted market?
- Can a surplus lines filing be corrected after it has been submitted?
- Who files the surplus lines tax when business goes through a wholesaler?
Back to insurance agencies, or see how this is priced and scoped.