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...

There are plenty of forms to navigate in the surplus lines industry. And keeping track of them can get confusing. That’s why we’ve...

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

At times, the insurance world can feel like an enigma. With so many different types of insurance policies and insurers, it can get a...

One tricky thing about surplus lines is that each state regulates them differently. And keeping up with changing tax rates and...

What is surplus lines insurance? Surplus Lines insurance is coverage provided to an insured with a unique set of risks and requirements....

As a surplus lines professional, I'm sure you know that each state has its own process for accepting surplus lines filings and that some...

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...

Many insurance professionals have letters behind their names indicating a specific designation. Chartered Property Casualty Underwriter...

With each state determining its tax filing requirements, all entities and producers must be aware of all surplus lines tax rules and...

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...

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...

At InsCipher, we help agencies file hundreds of thousands of policies each year. We have learned a thing or two about building efficient...

I once had a regulator tell me the best relationships she has with brokers and filers are the ones that started with significant...

Why would anyone in their right mind choose an insurance market with no state guaranty fund protection? What makes the Excess and Surplus...