Skip to main contentSkip to content

Diligent Search

🏛️ Regulatory

The effort an agent must document showing that admitted carriers declined a risk before it can be placed in the surplus-lines market.

🎓 Agent note Most states require a diligent-search affidavit (often “3 declinations”) before binding E&S. Keep the documentation — regulators audit it.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

Department of Insurance (DOI) NAIC Guaranty Fund Utmost Good Faith Material Misrepresentation Concealment Rescission Coordination of Benefits (COB)

← Back to the full Insurance Wiki

Got a risk that needs a human? 👾

Throw it in the Monster Lab, or talk to a licensed agent.

Open the Monster Lab 🧪 Ask an agent
Call Us Get a Quote