Speaking Engagements December 16, 2025

Demystifying Surplus Lines Group Insurance

Speakers

John N. Emmanuel Zachary N. Lerner

In this episode, John and Zachary unpack one of the hottest regulatory topics in surplus lines: group insurance. Learn how affiliated and unaffiliated groups are treated under the NRRA, why “home state” determination drives compliance and tax obligations, and the state-by-state rules that can make or break a group structure.

Sections

  • Defining surplus lines group insurance
  • Affiliated vs. unaffiliated groups under the NRRA: defining the “home state”
  • Compliance implications and state differences
  • The uneven playing field: Illinois vs. New York
  • The complexities of tax allocation for unaffiliated groups
  • Risk purchasing groups: benefits, limitations, and ongoing obligations
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