top of page

What is a Non-admitted Carrier?

What is a Non-admitted Carrier?

Non-admitted insurance carriers provide unique coverage options for hard-to-place risks. In this article, we explore what non-admitted carriers are and why they are important to the insurance industry.

What is a Non-admitted Carrier?

An non-admitted insurance carrier is a company that provides insurance policies to individuals or businesses. They assume the financial risk of its policyholders by providing coverage for a variety of risks, such as property damage, liability, or bodily injury. Non-admitted carriers are not required to be licensed by the state, but are allowed to do business in that state. Sometimes, non-admitted carriers are also referred to as E&S or unlicensed carriers. However, E&S carriers are financially stable companies that are regulated in other ways.

Non-admitted carriers are not bound by most of the rate and form regulations imposed on standard market companies. This allows them the flexibility to change the coverage offered and the rate charged. Non-admitted companies can do this without time constraints and financial costs associated with the filing process. This is good for both the company and the policyholder.

Understanding Non-admitted Carriers

Unlike an admitted carrier, non-admitted carriers are not backed by the state. They are not required to sell policies that adhere to the same standards as admitted carriers. However, non-admitted carriers are often still regulated by states they do business in.

Due to these less rigid standards, non-admitted carriers have more flexibility when designing coverage, selling policies, and writing risks. Companies that are struggling to find coverage in the admitted market often have more success in the non-admitted market.

Related Terms

Admitted Carrier


Surplus Lines Insurance

Surplus Lines Tax

Related Articles

Comparing the Safety of the Admitted vs. Non-Admitted Insurance Markets

There are several key differences between the admitted and non-admitted insurance markets--but which is safer? We'll take you through the pros and cons of each. Continue Reading.

What Is The Difference Between an Admitted Carrier and a Non-Admitted Carrier?

Admitted and Non-admitted carriers have some similarities. They are both insurance companies. They are both allowed to do business in a specific state. But it’s important to understand their key differences. Continue Reading.

Players in the Surplus Lines Insurance Industry

Welcome to Surplus Lines insurance 101: an overview of the players in the surplus lines insurance industry and their roles and responsibilities. Continue Reading.

Understanding Guaranty Fund Disclosures

All 50 states require some version of a Guaranty Fund Disclosure. Here's what you need to know to navigate compliance for each state. Continue Reading.

InsCipher is an insurtech company providing software and services that are revolutionizing inefficient insurance processes. Save your agency time and money by automating surplus lines compliance, filing, and reporting. Want to learn more? Request a free demo today!

bottom of page