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Export List

The term exportability refers to what business a surplus line broker can "export" to the surplus line market versus what business should be placed in the admitted market. There are essentially two criteria that determine what business is eligible to be exported: availability and price.

1. Availability: Insurance that can be procured from admitted insurers may not be exported to the surplus line market. Admitted insurers generally accept the more straightforward risks that lend themselves to using standard form policies and standardized rating manuals.

The law requires a surplus line broker to ensure that a diligent search for the coverage is made among admitted insurers. Recognizing that it would place an unreasonable burden on consumers if insurance producers were required to submit risks to every admitted insurer to determine unavailability, the law considers declinations from three admitted insurers that actually write the particular type of insurance to be "prima facie evidence" of unavailability.

Additionally, the Insurance Commissioner publishes a list, called the "Export List," of risks and coverages for which the Commissioner has found no reasonable or adequate market among admitted insurers. Risks and coverages on the export list are deemed to be unavailable and may be exported without any declinations.

2. Price: Exportation to obtain a lower rate or premium is prohibited. If the insurance product is available in the admitted market, it must be purchased in the admitted market even if the same product could be procured at a lower rate in the surplus line market. For exceptions, refer to Insurance Code Section 1763(c).

Statutory References: California Insurance Code §§ 1763 and 1763.1.

Export List Item
Export List Code
ACCIDENT/DISABILITY
 
BRIDGE PLAN 1
707
HIGH LIMITS DISABILITY 2
706
INTERNATIONAL MAJOR MEDICAL
705
AUTOMOBILES
 
EXOTIC/CLASSIC/ANTIQUE AUTOS WITH A VALUE IN EXCESS OF $100,000
52
AVIATION
 
AVIATION EXCESS LIABILITY
586
SHORT TERM MEDIA/ENTERTAINMENT NON-OWNED CONTINGENT AIRCRAFT LIABILITY (FILM/ENTERTAINMENT PRODUCTIONS)
590
CRIME
 
EXCESS CRIME
152
KIDNAP & RANSOM
153
FIRE & ALLIED LINES
 
AMUSEMENT PARKS/CARNIVALS AND AMUSEMENT DEVICES
405
COMMERCIAL DIC/STAND ALONE EARTHQUAKE
406
DISASTER INCOME PROTECTION
415
EXCESS FLOOD
413
EXPLOSIVE MANUFACTURING/SALES/STORAGE
407
HAY IN THE OPEN
412
HOMEOWNERS EARTHQUAKE/EXCESS LIMITS OR DEDUCTIBLE BUYBACK
408
INDIVIDUAL INSUREDS WITH LARGE SCHEDULES WHERE THE TIV(TOTAL INSURED VALUES)ARE IN EXCESS OF $FIVE HUNDRED MILLION
409
SAWMILLS
411
VACANT BUILDINGS
410
GENERAL LIABILITY
 
AMBULANCE SERVICES INCLUDING PROFESSIONAL LIABILITY
561
AMUSEMENT PARKS/CARNIVALS/DEVICES
562
BLASTING CONTRACTORS
563
BUILDING MOVING
564
CLINICAL AND SIMILAR TESTS OF PHARMACEUTICAL, MEDICAL, BIOLOGICAL & OTHER SIMILAR PRODUCTS
565
CONTRACTORS ENGAGED IN CONSTRUCTION OF NEW TRACT HOMES AND/OR NEW CONDOMINIUMS
566
CRANE & RIGGING CONTRACTORS
591
DEMOLITION CONTRACTORS
567
EMPLOYMENT PRACTICES LIABILITY
569
ENVIRONMENTAL IMPAIRMENT REMEDIATION AND POLLUTION LIABILITY
568
EXCESS LIABILITY WHERE PART OF UNDERLYING IS NONADMITTED
582
EXPLOSIVES INCLUDING MANUFACTURING/SALES/STORAGE
570
FIREWORKS DISPLAYS
571
FOSTER FAMILY (OCCURRENCE BASED ONLY)
588
HOT AIR BALLOON
589
LIMITS THAT ATTACH IN EXCESS OF $150 MILLION
573
OILFIELD CONTRACTORS
574
OUTFITTERS AND GUIDES
579
PATENT/TRADEMARK/COPYRIGHT INFRINGEMENT
572
PRODUCTS RECALL
576
PRODUCTS/COMPLETED OPERATIONS(WRITTEN ON A STAND ALONE BASIS)
575
SEASONAL OR MOBILE FAIRS, CONCESSIONAIRES, AND VENDORS, WITH OR WITHOUTLIQUOR LIABILITY
587
SECURITY GUARD SERVICES
581
SHORT TERM MEDIA/ENTERTAINMENT RAILROAD PROTECTIVE LIABILITY (FILM/ENTERTAINMENT PRODUCTIONS)
592
SHORT TERM SPECIAL EVENTS (EXCLUDING HOLE-IN-ONE)
580
TATTOO AND BODY PIERCING SHOPS
583
INLAND MARINE
 
ALL VESSELS IN EXCESS OF 30 FEET AND RATED WITH A MAXIMUM SPEED OF 45 MPH
454
ANY VESSEL/WITH A MAXIMUM RATED SPEED IN EXCESS OF 55 MPH
452
EXCESS MOTOR TRUCK CARGO
451
PERSONAL ARTICLES FLOATERS WRITTEN ON A STAND ALONE BASIS WHERE THE VALUE OF THE SCHEDULE IS IN EXCESS OF $1M OR CONTAINS A SINGLE ITEM(S) OVER $100,000
453
MISCELLANEOUS
 
EVENT CANCELLATION
656
POLITICAL RISKS INCLUDING EXPROPRIATION, CONFISCATION, UNFAIR CALLING
655
PRIZE INDEMNIFICATION (EXCLUDING HOLE-IN-ONE COVERAGE)
657
SHORT TERM MEDIA/ENTERTAINMENT FAILURE TO SURVIVE FOR $5 MILLION AND OVER (FILM/ENTERTAINMENT PRODUCTIONS)
658
PROFESSIONAL LIABILITY/ERRORS & OMISSION
 
ARCHITECTS & ENGINEERS/CONDO COVERAGE ONLY
577
CAMPAIGN TREASURERS
578
CREDITORS' COMMITTEES
584
PHYSICIAN/MEDICAL GROUP/HOSPITAL BILLING E/O
593
TATTOO & BODY PIERCING SHOPS E/O
585

(1) The Bridge Plan covers 65 year old people who must wait a certain period before they can enroll in Medicare. These people either 1) failed to meet the residency requirement of Medicare and must wait 5 years to meet the residency requirement or 2) failed to enroll during the proper Medicare enrollment period and now must wait a brief period before they are eligible to enroll.

(2) High Limits Disability is coverage that offers benefit amounts over the admitted market maximum issue and participation limits and/or includes occupations which are not eligible through the admitted markets.