How to Become Eligible


To become an eligible surplus lines insurer, the company must be licensed in its home state or country to sell insurance.

Each insurer must register with the Texas Department of Insurance (TDI), which is responsible for keeping a record of surplus lines insurers in the state.


Domestic Surplus Lines Insurer (DSLI)

As of January 1, 2018, insurers domiciled in Texas may apply for a domestic surplus lines insurer (DSLI) certificate, which allows a surplus lines insurer to be domiciled in Texas and write surplus lines coverage in Texas. In order to attain designation as a DSLI, an insurer must meet the following requirements:

  • Apply for a DSLI certificate through TDI
  • Maintain at least $15 million in capital and surplus as noted in Texas Insurance Code Section 981.072

After the DSLI certificate has been granted, a DSLI may redomesticate to Texas. The DSLI certificate does not authorize a surplus lines insurer to conduct business in the admitted market.


Foreign Insurers

A foreign surplus lines insurer is an insurer that is domiciled in the United States, but outside of Texas. TDI is responsible for determining the evidence filing requirements for foreign insurers in Texas.

Foreign insurers must meet the following requirements to become eligible surplus lines insurers in Texas, in accordance with the Texas Insurance Code and the Texas Administrative Code:

  • Complete the Filing Requirements Checklist for Foreign (U.S.) Surplus Lines Insurers (form FIN 422)
  • File financial statements with the National Association of Insurance Commissioners (NAIC) on an annual and quarterly basis
  • Maintain capital and surplus of at least $15 million, as required by the Texas Insurance Code Section 981.057
  • Submit a certified copy of the current license or Certificate of Authority from the insurer’s state of domicile
  • Provide a description of proposed writings in Texas by line of business

Surplus lines filing requirement documents must be submitted to SLTX using the form below and to TDI. For more information, contact SLTX at (512) 531-1880.


Alien Insurers

Alien surplus lines insurers are insurers that are domiciled outside of the United States. There are two types of these insurers:

  • Those listed on the NAIC International Insurance Department (IID) Quarterly Listing of Alien Insurers. Insurers in this category must file financial statements and reports with the NAIC, and do not file any evidence with TDI.
  • Those not included on the NAIC list. These insurers must complete the Checklist for Alien (Non-U.S.) Surplus Lines Insurers (form FIN 423) and submit the following materials:
    • Insurer annual report and/or audited financial statement
    • Certified copy of the current license or Certificate of Authority from the insurer’s country of domicile
    • Copy of the Trust Fund Agreement and a current Statement of Account from the trustee of the trust fund, which must maintain at least $5.4 million in a Federal Reserve member bank
    • Premiums written in Texas by each surplus lines broker
    • Actuarial opinion
    • Attorney for service of process

All required documents must be submitted to SLTX using the form below and to TDI. For additional information, contact SLTX at (512) 531-1880.

Insurer Eligibility Submission

*If you are submitting more than one file, please zip or archive them into a single file to submit.