Connecticut Surplus Lines cheat sheet

Connecticut surplus lines: market access, placement and a defensible file

• Nonadmitted placement remains regulated.

• Establish the applicable route and any exemption.

• Analyze insurer eligibility and policy wording separately.

• Keep Connecticut requirements distinct from generic coverage foundations.

• Read the actual coverage, limits, exclusions and duties.

• Insurance transfers specified financial consequences, not the physical hazard itself.

• Claims calculations require an explicit deductible and limit convention.

• Reinsurance does not automatically release the original insurer from its policyholder obligation.