A missed renewal, an out-of-date CE requirement, or a surplus lines filing that skips a diligent-effort step can cost you fines, delays, or your license. When you do business in more than one state, the risk multiplies.

2027 Licensing and Surplus Lines Laws puts every state's rules in a single, easy-to-navigate reference, so you don't have to search 50+ regulatory websites for answers. Inside, you'll find:

• License fees by state. Initial and renewal fees for each license type, side by side.
• Prelicensing requirements. Education and exam rules for every state, with applicable exemptions.
• Continuing education. CE requirements and available exemptions for each state.
• Surplus lines diligent effort. What each state requires before you place coverage in the surplus lines market.
• Surplus lines tax rates. Current rates for every state.
• Reporting and record-keeping. The documentation surplus lines agents must file and keep.

Why professionals rely on it:

• New: appointment terminations and policyholder coverage. State-by-state rules on how insurers must handle potential cancellation or nonrenewal when a producer's appointment is canceled or revoked.
• New: export lists. Where a state has one, see which lines of business can be placed with a nonadmitted insurer without a diligent search.
• One source for fees and education requirements. You won't need separate state lookups.
• Universal requirements in one list. Each state's chapter lists the rules that apply to every licensee, such as appointments and fingerprinting.
• The rules on commissions, fees, disclosures, and commingling of funds. Know where the lines are before you cross them.
• Direct contacts. Contact information for the state Surplus Lines Association in each state that has one.