TX Surplus Lines case studies

TX Surplus Lines · Put your knowledge to work in context.

The Texas surplus lines license is a property and casualty line of authority for agents who place coverage with eligible nonadmitted (non-Texas-admitted) insurers when no admitted market will write the risk. It is not a standalone entry-level license: Texas requires a qualifying underlying P&C license and the associated prelicensing education before a candidate can sit for the surplus lines exam, so the material assumes you already understand policies, coverage forms, and basic P&C regulation. The TX Surplus Lines case studies are 5 cases and about 3,235 words.

The Bakery Blanket Limit: Valuation, Coinsurance, and the Signed Waiver

Crestline Bakery occupies a 1950s masonry building it bought in 2019. Building ACV is 1,150,000; replacement cost is 1,900,000.

679 words, about 3 min 2

The Consultant's Cut: Commission Sharing, Fee Reductions, and Premium in the Wrong Hands

Lone Star Specialty Brokers holds a Texas surplus lines license. An unlicensed consultant, Marcus, introduces a 14-property habitational portfolio producing 210,000 in annual premium and roughly 52,500 in gross commission.

646 words, about 3 min 3

Meridian Re: A 31% Savings From a Carrier That Is Not on the List

Coastal Bend Warehouses needs 12,000,000 of wind-only property coverage on a Galveston County warehouse. The only eligible surplus lines insurer quoting the risk comes in at 1,400,000.

606 words, about 3 min 4

Two Declinations and a Non-Renewal: Is the Diligent Effort File Enough?

Ridgeline Logistics runs 42 tractors statewide. Its admitted carrier issued a non-renewal effective in 30 days, citing two at-fault accidents and a deteriorating DOT safety rating, on 1,000,000 CSL auto liability.

660 words, about 3 min 5

Home State, a Mid-Term Cancellation, and a Premium Check That Never Arrived

Harborline Fabrication has its principal place of business in Fort Worth with locations in Texas (60% of exposure), Louisiana (25%), and New Mexico (15%). A nonadmitted carrier issues an annual policy effective March 1 with 120,000 gross premium plus a 2,500 policy fee; the broker's commission is 15%.

644 words, about 3 min