Automated Surplus Lines Tax Filing, Backed by Compliance Experts
InsCipher's filing engine handles your surplus lines tax reporting and payments across all 50 states - automatically. Our US-based compliance team reviews the work and keeps it audit-ready. Upload your data. We do the rest.
How it Works
Three steps. Automated from submission to payment - reviewed by people who do this all day.
1. Submit your data
Use our portal, AMS integrations, API, or batch CSV - your policies flow directly into our processing engine. A dedicated integration specialist helps you connect, at no extra cost.
2. We file and pay - automatically
Our system calculates taxes and prepares every filing. Our compliance team reviews the output, then we submit and remit payment to every required state on your behalf.
3. One clear invoice
Receive a single monthly invoice with every payment broken down by state and category. No manual reconciliation needed - and a real person to call if anything looks off.
Automation for speed.
Experts for accuracy.
A decade of building both sides of the same service: software that files at scale, and a compliance team that makes sure every filing holds up.
Automated compliance checks
Intelligent rules track every state requirement in real time, flagging issues before they become filing problems.
Dedicated compliance team
Regulations change constantly. Our specialists track every new rule and build it into the platform - so your filings are always current.
Faster Processing
Your filings are processed with the speed of software, not headcount - no backlogs, no training curves, no bottlenecks.
State relationships and advocacy
Members of SILA, WSIA, and CIWA, with relationships state offices know and trust. When questions come up, we advocate on your behalf.
All 50 states, one platform
A single automated system covers every state where you do business. No more managing multiple vendors or workflows.
US-based support
Timely answers from people who know your account. Your reporting never goes offshore - and neither does your support.
Easy data import
Our automated ingestion layer accepts data however you work - manual entry for small books, batch CSV for medium volumes, or a direct API/AMS integration that pushes policies into our engine the moment they're bound.
Pre-built connectors for Vertafore AIM, Instanda, MGA Systems, and more make setup fast - and an integration specialist works with your team to tailor the connection to your systems.
Quality control
The moment policies hit our system, automated reconciliation gets to work - cross-checking data, catching errors, and verifying compliance before a single filing goes out.
Then our compliance team reviews what the system prepared. Nothing is filed on autopilot alone - and you're only pulled in when something genuinely needs your input.
Complete coverage
Whether filings are due monthly, quarterly, or annually, the platform tracks every deadline, every state, and every zero report - and files them automatically on your behalf.
Behind the automation, our compliance team keeps the engine current - reflecting every new rule and regulation the moment states change them.
What sets InsCipher apart?
Built differently from day one.
Cloud-based platform
Centralized submission and real-time visibility into every filing, report, and payment - on demand.
100% US-based compliance team.
Real specialists review the work and answer your questions - your filings never go offshore.
Speed and accuracy without the overhead
Software-driven processing keeps costs low and turnaround fast.
Partners in compliance - it's all we do
More than a vendor: an advocate that helps clients stay in good standing with the states.
An automated submission process from your system to ours with our Integration options.
Impressions from Our Clients
Whether you have a large book or just breaking into E&S, our tools scale with you. Here's what our clients have to say:
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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.
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.
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.
Built with security in mind
SOC 2 certified with rigorous controls aligned to industry best practices. Our security team continuously monitors the platform. SSO is available via Okta and MS Entra.
Ready to take filing off your plate?
Talk to our team for a full breakdown of implementation, timelines, and pricing.
