Admitted policy forms are filed with the state departments of insurance and have to be approved for use.

Admitted policies comply with all state regulations and may have to follow special provisions or offer specific coverages that the state mandates.

Rates are filed with the state and increases must be approved before taking effect.

Admitted policies are protected by each state’s guaranty fund and provide an extra layer of security and trust for your clients.

The common alternative to admitted is surplus. Before receiving a surplus quote a business needs to be rejected 3 times in the admitted market.