What Is a Diligent Search? Surplus Lines Compliance, Explained

Before a state lets you place a risk with a non-admitted carrier, it usually requires proof you tried the admitted market first. That proof is the diligent search.

What the state wants

• →A record showing admitted carriers were approached and declined — usually three
• →A signed affidavit from the producer, kept on file with the policy

When it applies

• ✓Any time you place a risk in the surplus lines market
• ✓Rules vary by state — California, Nevada, and Oregon each use their own form

How to complete it with Baker

• →Open the online diligent-search forms — pick your risk state and the right form loads
• →Sign it electronically; a tracked PDF goes to the desk
• →Keep the signed copy with the policy file

Why it matters

• →It keeps your surplus lines placement compliant
• →Skipping it can void the placement or put your license at risk