General Information:

  1. Indiana maintains a list of eligible surplus lines insurers (foreign only) (see Other Comments section #1).
  2. Indiana does not have a Surplus Lines Association.
  3. Indiana does not have an Export list.
  4. Indiana does have an industrial insured exemption (see Appendix C) which will remain in effect. As of 7/21/2011, the NRRA commercial purchaser exemption also became effective.
  5. Surplus lines tax: 2.5%, payable by broker.
  6. Indiana does not allow the formation of  domestic surplus lines insurers in the state.

Eligibility and Filing Requirements (All Insurers):

Indiana does not impose formal eligibility requirements other than a sponsoring broker requirement for foreign surplus lines insurers as noted below.

Eligibility and Filing Requirements (Alien Insurers Only):

NAIC Listing: If alien insurer appears on NAIC Quarterly List, it is approved to do business in Indiana.

Eligibility and Filing Requirements (Foreign Insurers Only):

Sponsoring broker: A licensed surplus lines producer must request by letter
or by email that a foreign (U.S.) surplus lines insurer be added to the state’s
eligibility list.

Types of Insurance Exempted from Surplus Lines Regulation:

  1. Industrial Insurance (see Other Comments section #3).

Other Comments or Requirements:

  1. Indiana eligibility list available at
    Above list applies to foreign surplus lines only; alien surplus lines companies are automatically eligible for surplus lines in this state if they appear on the NAIC Quarterly List of Alien Insurers.
  2. Insurance Commissioner may order surplus lines broker to cancel unauthorized insurer’s policies if he/she believes financial condition of such insurer does not warrant continuation of the risk.
  3. Commercial insureds which purchase insurance under the “industrial insured” exception to the state’s unauthorized insurers statute must notify the Department of such transactions and, among other things, document that the purchased coverage was not available in the admitted market.
  4. Resident surplus lines producers are not required to hold a tax guarantee bond in the amount of $20,000. The surplus lines license is a two-year license. ‎
  5. Effective September 9, 2011, the IN DOI imposes retaliatory fees for non-resident surplus lines producers of IL.
  6. The IN DOI converted to birth month renewal. Business entity license will continue to renew the month initially licensed. Also, invoices for renewals will no longer be printed and mailed. If producer wishes to receive notice, he must insure his email address is on file with the IN DOI.
  7. The IN DOI has imposed retaliatory fees for non-resident surplus line producers of CA, CI, MA and NJ.
  8. Effective July 13, 2023, Indiana established ‎certain motor vehicle insurance coverage ‎requirements for a delivery network company ‎and a delivery network company driver and such ‎coverage may be placed through a surplus lines ‎producer (House Bill 1125). ‎