Eligible Alien Unauthorized Insurers
Foreign Surplus Lines Insurer Eligibility Application
A foreign insurance company seeking to become eligible for surplus lines authority in Massachusetts must submit the following items for review:
- A copy of the applicant’s most recently filed Annual Financial Statement and Quarterly Financial Statement.
- A copy of the applicant’s most recent independent CPA Audit Report and Model Audit Rule attachment (from 211 CMR 26.12 and 211 CMR 26.19, if applicable).
- A copy of the applicant’s license or Certificate of Authority from its state of domicile.
- A business plan for Massachusetts, which includes, but is not limited to the following information:
- What type(s) of surplus lines placements the applicant will accept in Massachusetts
- A description of the applicant’s experience in the type(s) of surplus lines placements the applicant will accept in Massachusetts.
Please forward the above items via email to the Division of Insurance Financial Surveillance and Company Licensing Department at Companies.Mailbox@mass.gov.
There is no fee for this application.
Last Updated June 2, 2026
Accredited Reinsurers
Reciprocal Jurisdiction Reinsurers
Certified Reinsurers
Instructions to Apply for or Amend Authority to Transact Insurance Business in Massachusetts
Instructions for insurance companies to apply for authority or to amend their authority to transact insurance business in Massachusetts.
The Massachusetts Division of Insurance requires use of the Uniform Certificate of Authority Application (UCAA). The UCAA form and instructions are available on the NAIC website.
All documents must be originals, bearing original signatures where necessary. Only complete submissions will be reviewed.
In addition to the UCAA application, alien (non-United States domiciled companies) companies must include the documents listed on the Alien Insurance Company Required Filings.
Our consideration of the company's submission will include a financial, legal, and market conduct review, communication with other regulatory authorities, and other procedures as we consider necessary. All costs will be borne by the applicant. Upon receipt of all required documents and payment of nonrefundable filing fees, the submission will be referred to an analyst for review. In accordance with the provisions of Massachusetts General Laws, Chapter 175, Sections 4 and 32, we may either visit the company or ask a company representative to appear before the Division. We will notify you in advance of such a meeting. At any time during the process, we may inform you that we are denying the request.
While the application is pending, it is the responsibility of the applicant to amend its filing as information becomes available (i.e. quarterly statements, etc.
Should the company receive initial approval of its request, the company will be notified in writing of any additional requirements. These requirements may include advertising, placing a special and/or workers' compensation deposit, appointing a resident agent, paying additional nonrefundable fees, and obtaining membership in certain rating or statistical organizations.
Questions may be directed to companies.mailbox@mass.gov
Last Updated June 3, 2026
Supplemental Filings Required of an Alien Company
Designation Summary
Chapter 175 Massachusetts General Laws
| Designation | Clause | Section 47 |
|---|---|---|
| 1 | Fire | 1 |
| 2A | Ocean and Inland Marine Inc. M.V.P.D. | 2 |
| 2B | Inland Marine Only and Physical Damage | 2 |
| 4 | Fidelity and Surety | 4 |
| 5A | Boiler, Fly Wheel, Machinery, Explosion | 5 |
| 5B | Boiler (no inspector), Fly Wheel, Machinery, Explosion) | 5 |
| 6A | Accident - All Kinds | 6 |
| 6B | Health - All Kinds | 6 |
| 6C | Group Accident and Health Only | 6 |
| 6D | Non-Can. Accident and Health Only | 6 |
| 6E | Workers' Compensation | 6 |
| 6F | Liability other than Auto | 6 |
| 6G | Auto Liability | 6 |
| 7 | Glass | 7 |
| 8 | Water Damage and Sprinkler Leakage | 8 |
| 9 | Elevator Property Damage and Collision | 9 |
| 10 | Credit | 10 |
| 11 | Title (Title Companies Only) | 11 |
| 12 | Burglary, Robbery, Theft, Forgery, Larceny | 12 |
| 13 | Livestock | 13 |
| 15 | Reinsurance (Reinsurance Companies Only) | 15 |
| 16A | Life - All Kinds | 16 |
| 16B | Group Life Only | 16 |
| 16C ** | Variable Annuity Authorization | 16 |
| 16D | Annuities Only | 16 |
| 16E ** | Variable Life Authorization | 16 |
| 17 | Repair-Replacement | 17 |
| 19 | Legal services | 19 |
| 20 * | Credit Involuntary Unemployment | 20 |
| 54BX | Reinsurance except Life | 54B |
| 54BY | Nuclear Energy | 54B |
| 54BZ | Special Hazards - Radioactive Contamination | 54B |
| 54C | Comprehensive Motor Vehicle and Aircraft | 54C |
| 54D | Personal Property Floater | 54D |
| 54E * | Dwellings | 54E |
| 54F * | Commercial Property (Multiple Peril) | 54F |
| 54G | Reinsurance - Life Companies Only | 54G |
| 51 | Stock Companies (Extension of Coverage not | 51(g) |
| 54 | Mutual Companies (specified in Section 47) | 54(g) |
* Company must be in the fire insurance business continuously for ten or more years.
** Companies applying for designation 16E must submit the documentation required by 211 CMR 95.00 at the time of application.
Company must be actively transacting in its state of domicile all of the lines requested.
Last Updated June 2, 2026
Minimum Capital and Surplus Requirements
Please check notes below
| Clause of Section 47 | Description | Capital | Surplus | Total |
|---|---|---|---|---|
| 1 | Fire | $200,000 | $800,000 | $1,000,000 |
| 2 | Ocean Marine, Motor Vehicle, Aircraft, Inland Navigation and Transportation (includes property damage) | $300,000 | $1,200,000 | $1,500,000 |
| 4 (B) | Fidelity and Surety | $200,000 | $400,000 | $600,000 |
| 5 (B) | Boiler, Fly Wheel Machinery, Explosion | $200,000 | $400,000 | $600,000 |
| 6 (B) | Accident and Health, Liability and Property Damage, Including Automobile, Workers' Compensation | $400,000 | $2,400,000 | $2,800,000 |
| 6 (B) | Accident and Health Only | $100,000 | $600,000 | $700,000 |
| 7 (B) | Glass | $100,000 | $200,000 | $300,000 |
| 8 (B) | Water Damage, Sprinkler Leakage (when combined with 1) | $200,000 | $800,000 | $1,000,000 |
| 9 (B) | Elevator and Aircraft Property Damage | $200,000 | $400,000 | $600,000 |
| 10 (B) | Credit | $200,000 | $400,000 | $600,000 |
| 11 | Title (Title Companies only) | $100,000 | $200,000 | $300,000 |
| 11 | Mortgage | $200,000 | $400,000 | $600,000 |
| 12 (B) | Burglary, Robbery, Theft, Forgery, Larceny | $200,000 | $800,000 | $1,000,000 |
| 13 (B) | Livestock | $100,000 | $200,000 | $300,000 |
| 15 | Reinsurance (Reinsurance Companies only) | $500,000 | $3,000,000 | $3,500,000 |
| 16 | Life Insurance | $400,000 | $1,600,000 | $2,000,000 |
| 17 | Repair-Replacement (when combined with one or more of classes 1, 2 and 8) | $400,000 | $1,600,000 | $2,000,000 |
| 19 | Legal Service | $100,000 | $200,000 | $300,000 |
NOTE A: The capital and surplus requirements of a company is the sum of the requirements for the lines for which it is licensed or seeks to be licensed, except as noted above or in NOTE B
NOTE B: The capital requirement for two or more classes noted as B (4, 5, 6, 7, 8, 9, 10, 12, 13) is equal to the largest requirement of classes licensed plus one-half of the sum of the capital requirements for each additional such licensed classes.
NOTE C: The policyholders surplus requirement for mutual insurance companies shall be the same as the total surplus noted above.
The Commissioner of Insurance has determined that the minimum required capital and surplus for a non-life insurance company is to be capital of $400,000 and surplus of $800,000.
Last Updated June 3, 2026
Foreign Company Corporate Amendment Changes
Foreign Company Address and Demographics Changes
There is no fee for these filings.
All company demographic changes, including updating addresses, and contacts must be made in the NAIC SBS Database.
If you need your company’s PIN number or have any questions, please contact companies.mailbox@mass.gov.
Last Updated June 3, 2026