InsCipher Blog

Diligent search is a specific step in the insurance process. In this article, we discuss what diligent search is and why it is important...

If you’re new to the insurance industry, you may wonder what a surplus lines broker is. This article will help you better understand what...

If you’re in the insurance industry, you’ve likely heard of Lloyd’s of London and syndicate lists. This article will give you a better...

There are plenty of forms to keep track of in the surplus lines industry. This article deep dives into audit endorsements. What is an...

Non-admitted insurance carriers provide unique coverage options for hard-to-place risks. In this article, we explore what non-admitted...

Agents and brokers both act as intermediaries between insurance companies and insureds. They both help consumers find coverage. So we are...

In this article, we walk you through how a home state is determined within the insurance industry, and the nuances you need to be aware...

Did you know that states have Property and Casualty guaranty fund associations and Life and Health guaranty fund associations? State...

Insurance endorsements apply to both the admitted and non-admitted (Excess and Surplus Lines) markets. In the admitted market, the...

In the Excess and Surplus Lines market, Kentucky Municipality Taxes can be a challenge. This article, we will discuss a way to simplify...

What is an export list? In the insurance world, an export list is a list of coverages that a state has determined to be very difficult or...

When writing surplus lines business, it is the obligation of the surplus line broker to maintain a copy of the originating producer’s...