Speaking Engagements
Demystifying Surplus Lines Group Insurance
December 16, 2025
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Excess + Surplus Lines
Excess and surplus lines insurance is crucial for businesses and individuals requiring specialized policies tailored to their specific needs.
Our firm publishes the Excess and Surplus Lines Law Manual Annual Update, highlighting changes in the surplus lines laws and regulations of the 50 states and U.S. territories during the past year. This free publication is the go-to resource for many surplus lines insurance companies and brokers as the first stop to determining the compliance regimes across all U.S. jurisdictions.
Our attorneys help clients navigate the complexities of the E+S insurance market by helping maintain compliance with surplus lines placement requirements, state-specific regulations, negotiating policy terms, and addressing any legal disputes that may arise.
Our experience in regulatory frameworks and deep understanding of the insurance industry enable us to provide comprehensive legal support, so our clients’ interests are protected, and their coverage needs are met effectively.
Demystifying Surplus Lines Group Insurance
Troutman Pepper Locke Partners John Emmanuel and Zachary Lerner 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.
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The Excess + Surplus Lines Manual
A go-to resource for surplus lines insurance companies and brokers as the first stop to determining the compliance regimes across all U.S. jurisdictions.
