Scale surplus lines compliance without scaling headcount
From startups to the Fortune 500, InsCipher simplifies surplus lines taxes, filing, and payments for MGAs and Brokers. Get back to selling and let us deal with compliance.
we partner with leading industry organizations
Choose your path to compliance
Three proven approaches to surplus lines tax management, tailored to your company's goals.
Fully Outsourced Filing
Upload your policy data, and we'll handle the rest.
We take your policy info and our dedicated team handles filings, payments, and reporting across all relevant states, with status visibility and liaising with states.
Any agency, large or small, looking to offload the burden of surplus lines tax reporting, all for less than the cost doing it themselves.
Even large organizations are seeing 30% reductions in compliance costs by switching to InsCipher.
Key Features
Submit filings online through our cloud portal or connect via API.
Fully managed tax filing and reporting in all 50 states
Taxes and State Stamping Fees paid
Pay one monthly invoice for all taxes across all 50 states
Work with our U.S.-based filing team with over 20+ years of experience.
InsCipher Connect
Tax Management Software
Track reporting and payment deadlines based on policy data and up-to-date regulations. Auto-generate reports in the right format and calculate taxes ahead of state due dates.
Agencies processing higher volumes, needing transparency, task assignment, and operational control.
Key Features
Import policies via CSV or API.
Compliance calendar to track reporting and payment deadlines.
Auto-generate reports and e-file.
Calculate tax amounts automatically.
Tax Calculators & APls
Integrate our tools into your existing systems.
Our Tax Calculator and Diligent Forms APIs allow you to calculate taxes and auto-populate diligent forms inside your quote/bind, policy or agency management systems.
Teams looking to build a smooth quote/bind process and save time researching state requirements.
Key Features
Calculate surplus lines taxes for all 50 states.
Works with existing AMS, quote/bind, or rating systems.
Get state-required forms, disclosure templates, and stamp wording.
Aauto-fill diligent effort forms, affidavits, and state-specific documents.
Outcomes You Care About
Real results that impact your bottom line and operational efficiency.
Faster Filing
Cut filing time per policy via automated data ingestion, pre-built jurisdiction logic, and one-click submissions.
Reduce Penalties & Rework
Date tracking, reconciliations, and audit-grade exports that match DOl and stamping office expectations.
Accelerate Book Growth
Quote faster with accurate taxes/fees, remove bottlenecks in month-end close, and keep teams focused on selling.
Platform capabilities
Features designed specifically for surplus lines compliance and operations.
50-State Compliance Intelligence
Up-to-date tax rates, fees, stamping office rules, due dates, and form variations, maintained centrally.
Filing & Payments Orchestration
File multiple transactions, generate reports and calculate correct tax amounts ahead of due dates.
Data Integrations
Import transactions and documents via API connection with your policy, quote/bind or agency management systems.
Role-Based Permissions
Segment producer vs. compliance tasks, set review steps, and enforce separation of duties for easy management.
Stay on top of requirements
Surface missing data, jurisdiction conflicts, and upcoming deadlines so you avoid late fees and penalties.
Audit-Ready Reporting
Store data centrally and securely, ready to provide required proof and documents if needed.
Trusted by industry leaders
See how MGAs and brokers are transforming their compliance operations.
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InsCipher's team was incredibly responsive, promptly addressing our questions and providing thorough support in training our business units. Their platform has already streamlined our processes, saving us time and reducing the complexity of compliance.
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Before we started using the InsCipher surplus lines management system, I was always worried that there was some surplus lines report or payment I was forgetting - not anymore. I sleep much better knowing InsCipher is tracking these things for me.
InsCipher has been a critical partner in helping us navigate the historically paper-driven surplus lines tax filing process. InsCipher provides an intuitive, tech-enabled platform for agencies/MGAs who are primarily digital, and focused on back-end workflow improvements.
InsCipher's team was incredibly responsive, promptly addressing our questions and providing thorough support in training our business units. Their platform has already streamlined our processes, saving us time and reducing the complexity of compliance.
From our Account Executive Alicen Condie and her excellent communication and demonstration of InsCipher to Jacky McGreal, our Implementation Specialist who committed to get us live in under 1 month, our experience was simply stellar!
What used to take us hours and consistent back and forth with various states is now a simple monthly reporting task. The team is friendly, knowledgeable and very easy to work with.
How it works
Get started in three simple steps, regardless of which solution you choose.
1
Discovery
Share your policy mix, states, and volumes. Receive a right-sized recommendation and pricing breakdown tailored to your needs.
2
Setup
Map your data, set user roles, and connect systems - or hand off to our service team for fully managed filings.
3
Operation
Stay compliant with our software and APIs or let our filing team handle everything for you.
Transparent pricing that scales with you
Pricing tiers based on annual policy volume and state footprint, with clear ROl.
Request ROI analysis
Request an ROI calculation to see your potential savings and payback period. Our team will prepare an estimate based on your current process.
The button below will take you to our contact page - please mention in the notes section that you'd like to request an ROI analysis, along with other relevant details.
Get a quote
Transparent plans with no hidden fees.
Volume-based pricing with reduced costs as you scale.
We handle tax payments on your behalf when you select our Filing Service.
Flexible payment structure that fits your needs.
Dedicated success manager included.
Frequently asked questions
We prepared a list of common questions and answers below. If you can't find what you need, simply contact our team and we'll help out!
We aim to get our clients up and running between 2 and 6 weeks depending on your current level of complexity and access to historical data.
We offer a range of pre-built integrations with popular systems like AMS360 and Instanda. We can also help you build a custom solution in case an integration is not currently available. You can explore technical information in our developer hub.
We handle surplus lines tax compliance so your team can focus on growing your agency. Whether through outsourcing, software, or APIs, we simplify filings, eliminate penalties, and keep you compliant across all states.
It depends on your in-house resources. Smaller shops may prefer outsourcing, while larger MGAs with compliance teams benefit from software and APIs. If you're not sure, check our comparison page or contact our team.
We'll typically need your producer and license information along with state credentials where applicable. Our implementation team will guide and assist you along this process.
Ready to scale your surplus lines compliance?
Join 300+ agencies and brokers who've automated their compliance operations with InsCipher.
