Products | Non-Admitted Personal Lines

Non-Admitted Personal Lines

St. James Insurance Group markets and underwrites on behalf of several non-admitted carriers. A non-admitted carrier or E & S carrier has not received a license from the state department of insurance for the authority to write insurance. However, the insurer is made eligible to transact insurance in the insured’s state via a licensed surplus lines broker. The insured is not protected against insurer insolvency through the state guarantee fund. Generally speaking, if admitted homeowners coverage is available, regulations state that you must place the business with that insurer.