State statute · Washington

Unauthorized Insurers and Surplus Lines (surplus line brokers, eligibility, diligent search, taxes)

Chapter 48.15 RCW

Publisher: Washington State Legislature
Edition: Online RCW as last updated July 15, 2026
Last checked: 2026-09-17
Status: WA statutes, public domain

Edition and licensing notes

Publisher. Washington State Legislature (app.leg.wa.gov)

Edition. Online RCW as last updated July 15, 2026 (app.leg.wa.gov RCW landing page: "Last update: July 15, 2026").

Status. WA statutes, public domain (state government edict).

Read the official text Practice questions from this source

What this document is

Chapter 48.15 RCW - Unauthorized Insurers and Surplus Lines (surplus line brokers, eligibility, diligent search, taxes) is a state statute published by Washington State Legislature (app.leg.wa.gov). It is one of the Washington documents that insurance license exam questions are written from, including washington property & casualty, washington personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

RCW 48.15.040(3) ("Surplus line" coverage)
“Coverage shall not be procured from an unauthorized insurer for the purpose of securing a lower premium rate than would be accepted by any authorized insurer nor to secure any other competitive advantage.”
RCW 48.15.030 (Validity of contracts illegally effectuated)
“A contract of insurance effectuated by an unauthorized insurer in violation of the provisions of this code shall be voidable except at the instance of the insurer.”
RCW 48.15.043(1), (2) (Diligent effort requirement, Exempt commercial purchaser)
“A surplus line broker seeking to procure from or place insurance with an unauthorized insurer for an exempt commercial purchaser is not required to satisfy the diligent effort requirement set forth in RCW 48.15.040 when: (1) The surplus line broker or referring insurance producer procuring or...”
RCW 48.15.020(2)(b), (3) (Solicitation by unauthorized insurer prohibited, Personal liability)
“(b) A person, other than a duly licensed surplus line broker acting in good faith under his or her license, who makes a contract of insurance in this state, directly or indirectly, on behalf of an unauthorized insurer, without complying with the provisions of this chapter, is personally liable for...”
RCW 48.15.040(1) and (2) ("Surplus line" coverage)
“If certain insurance coverages cannot be procured from authorized insurers, such coverages, hereinafter designated as "surplus lines," may be procured from unauthorized insurers subject to the following conditions: (1) The insurance must be procured through a licensed surplus line broker under this...”

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Questions about this source

Chapter 48.15 RCW - Unauthorized Insurers and Surplus Lines (surplus line brokers, eligibility, diligent search, taxes) is a state statute published by Washington State Legislature (app.leg.wa.gov). Edition: Online RCW as last updated July 15, 2026 (app.leg.wa.gov RCW landing page: "Last update: July 15, 2026")..

No. This page summarizes the document and links to the official version. Always rely on the text published by Washington State Legislature (app.leg.wa.gov) for the current law.

Practice questions for Washington Property & Casualty, Washington Personal Lines cite this document.

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