A surplus lines insurer is sometimes referred to as a non-admitted or unlicensed carrier, but this does not mean that their policies aren’t valid or that they aren’t regulated to some extent. The designation only means that they are subject to different regulations from those that govern ad...
Non-admitted carriers are usually referred to as "surplus lines" or "excess lines insurers." Purchasing insurance from a non-admitted carrier may seem riskier, but non-admitted status is just one way to gauge financial reliability. Case in point: insurance companies receive financial strength ratin...
What is a Non-Admitted Insurance Carrier? A non-admitted insurance carrier has not been licensed and is not regulated by the state’s department of insurance. Instead, these carriers, also known as excess and surplus insurance carriers or surplus lines insurance carriers, are regulated by t...
There are many different reasons a carrier might turn you down, some of which have to do with you and some with the home itself. High-risk location If your house is in an area plagued by tornadoes or wildfires, a carrier may consider it too great a risk to insure. The same may be ...
Surplus Lines A“surplus lines” insurer is also called an “excess lines” or “non-admitted” insurer. Surplus lines companies face much less regulatory scrutiny than standard lines companies do. They are not regulated by a state’s insurance department but, instead, by a state’s surplus li...
Demurrage charges are, in essence, a method of ensuring vessels are unloaded and cargo is collected from the port for onward travel—either by the ocean carrier or truckers for overland travel—within a set time frame. As this responsibility falls on the shipper or consignee, they generally be...
t particularly efficient conductors because conduction in electrolyte solutions is achieved through ionic, rather than electronic conduction; instead of loose electrons moving between atoms serving as the charge carriers, ions (atoms or small groups thereof that have a charge due to a surplus or ...
This form of insurance is mandatory in every state except Texas for businesses with non-owner employees. Four states even require that you purchase a policy from the state, not a private carrier. Commercial auto insurance: Commercial auto insurance covers your business if an employee gets into ...
What, indeed, is a head? For us, surely, it's as big as the world, as existence itself, and just as unknowable. It contains everything we are and everything we can ever know, including our own limits, because whatever we do we can never go beyond its bounds. The head is all, ...
further examination by a licensed Peruvian veterinarian can be requested at the dog owners’ expense. In the end, the Senasa inspector decides if the animal can enter or needs, for example, a parasite treatment or a vaccination or is quarantined before being allowed to enter or has to be ret...