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Surplus lines insurance

Surplus lines insurance

The surplus lines market ensures that Oregonians can obtain coverage if they are turned down for insurance in the regular market. Oregon Revised Statutes (ORS) 735.400-735.495 govern surplus lines.

Surplus line insurers are not required to be licensed in Oregon or file rates with the state. However, the Division of Financial Regulation must determine they are eligible before any coverage is placed.

Insurers on the National Association of Insurance Commissioners quarterly Listing of Alien Insurers are considered eligible in Oregon.

Insurance through a surplus line insurer is not protected by the Oregon Insurance Guaranty Association.

All coverage in this market must be placed through a resident or nonresident insurance agent who is licensed for "surplus lines."

The Surplus Line Association of Oregon advises the Division of Financial Regulation and collects surplus lines taxes. Visit oregonsla.org for information on the following:

  • Filing forms
  • Insurers (eligible list)
  • Licensed agents/agencies

Eligibility and other information

Insurer premium and fees report

The Oregon Surplus Lines Association provides a report of premiums and fees collected as the basis for the Oregon Corporate Activities Tax (ORS 317A.116). This commercial tax is charged for the privilege of doing business in the state. Surplus lines insurers can use this report to determine how much commercial activity they did in the state.

This report is a snapshot in time and is intended to help insurers comply with corporate activities tax obligations. It reflects the premiums and fees collected by the Oregon Surplus Lines Association for the commercial activities of surplus lines insurers.

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