LAST UPDATED 7/22/25
Affidavit Requirements for Diligent Search Effort
To demonstrate that a thorough and good-faith search was conducted for insurance coverage in the admitted market, an affidavit of diligent search must include the following:
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Signature
The affidavit must be signed by a licensed insurance agent, confirming the accuracy and completion of the diligent search process. -
List of Carriers Contacted
The agent must document outreach to at least three admitted carriers, each of whom declined to offer coverage. These carriers must be admitted in the state where the risk is located. -
Reasons for Declination
For each carrier contacted, the agent must clearly state the reason the carrier declined to quote. This explanation should be included on the state-required diligent search form, if applicable, and must offer insight into the challenges of placing the coverage in the admitted market.
Note: The following states have a state specific diligent effort form. See below for examples and instructions on how to complete these state specific forms.
These guides provides detailed instructions on how to properly complete and submit the forms in compliance with their state's surplus lines regulations.
By satisfying these requirements, the affidavit beeomes a critical part of the surplus lines placement process, demonstrating that the agent fulfilled all regulatory obligations before seeking coverage in the non-admitted market.
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