Surplus Lines Compliance, Simplified for Retail Agencies
From single-state placements to multi-state programs, InsCipher automates surplus lines tax filing, payment, and reporting - so teams stay focused on clients, not compliance headaches.
Trusted by leading industry organizations
Who We Serve
InsCipher is designed specifically for retail insurance agencies looking to streamline their surplus lines compliance process.
Property & Casualty Agencies
Retail agencies with direct placements in the surplus lines market.
Fast-Growing Commercial Teams
Teams encountering new states or complex filing requirements.
Manual Process Agencies
Currently managing filings manually or via spreadsheets, seeking audit-ready automation.
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.
Key Benefits for Retail Agencies
Stop letting compliance bottlenecks slow down your agency's growth. InsCipher removes the friction so you can focus on what matters most.
Save time and headaches
Centralized dashboards, bulk uploads, and rapid reconciliation-no more multi-portal chaos.
Reduce risk and avoid penalties
Automated deadline tracking and prebuilt state rules, including updates to filing regulations.
Focus on clients - not compliance
Eliminate distractions from routine filings and unlock team capacity for relationship-building and sales.
Feature Highlights
Built specifically for insurance professionals who need reliable, audit-ready compliance tools.
50-state tax and fee database
Kept current by industry experts with real-time regulatory updates.
Calculate tax ahead of due dates
State Reporting Tasks that keep you on track and in compliance with regulations.
Data Integrations
Upload policy data via your agency, policy or quote/bind system.
Comprehensive reports
For audits, renewals, and tracking your team's filing performance.
Filing status alerts
Quickly resolve state questions and add missing documents with real-time alerts.
Secure data storage
Enterprise-grade security for your team and insureds data.
Always Current, Always Compliant
Our compliance team monitors regulatory changes across all 50 states so you don't have to. Every tax calculation, filing deadline, and regulatory requirement is kept up-to-date automatically.
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.
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.
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!
How it works
Get started with InsCipher in three simple steps, with full support every step of the way.
1
Discovery
Submit agency profile for a tailored recommendation and pricing estimate.
2
Onboarding
Our team helps migrate your existing data and sets up your workflows.
3
Operation
Benefit from clear dashboards, filing automation, and always-on compliance support.
Frequently asked questions
Everything you need to know about implementing surplus lines compliance automation.
We combine technology with years of surplus lines expertise. Our APIs, software, and outsourced services integrate directly into your workflows and are maintained by a dedicated compliance team updating thousands of variables monthly, supported by a team of 30+ software engineers and product designers.
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 can only estimate price after you provide us with details like your policy volumes and states where you do business. We can then advise on a relevant solution and applicable pricing. Contact our team to start this process.
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.
Ready to Simplify Your Surplus Lines Compliance?
Join 300+ agencies who trust InsCipher for their compliance needs.
