Surplus Lines Insurance

The surplus lines market exists to ensure that Oregonians can obtain hard-to-find coverage that isn't available in the regular insurance marketplace. Oregon Revised Statutes (ORS) 735.400-735.495 govern the surplus lines market.

All coverage obtained in the surplus lines market must be placed with the aid of a resident or nonresident insurance producer who has the specific class of "surplus lines" on his or her insurance license ("surplus lines licensee").

Surplus lines insurers are eligible to accept placements if they meet minimum standards. Coverage obtained through surplus lines channels is not backed by the state guaranty association.

The Surplus Line Association of Oregon (SLAOR) advises the Oregon Insurance Division and collects surplus lines taxes. Check the SLAOR Web site for filing procedures, a list of insurers and active licensees, and other information.

• Annual statement instructions
• Fees, taxes and deposits
• Surplus lines insurer list and active licensees
• Surplus lines general information
• Frequently asked questions
  • Questions (and answers) about your surplus lines policy
  • Surplus lines and the NRRA
• Surplus Line Association of Oregon
• How to become an eligible surplus lines insurer
• Agent for service of process for surplus line insurers