PLPennsylvaniamedium
A Pennsylvania producer wants to place a high-value personal homeowners risk that no admitted insurer will write. What additional license must the producer hold to place the coverage with a non-admitted insurer?
ANo additional license — any P&C producer may bind non-admitted coverage
BA public adjuster license
CA limited lines self-service storage license
A Pennsylvania surplus lines licensee under 40 P.S. § 991.1605
Why this is the answer
Under 40 P.S. § 991.1605, only a licensed Pennsylvania surplus lines licensee may procure coverage from an eligible non-admitted (surplus lines) insurer. The producer must first attempt to place the risk with admitted carriers, document declinations, and confirm the surplus lines insurer is on PID's eligible list. A standard P&C producer license alone does not authorize surplus lines placement.
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