What is a Non-Admitted Insurance Company?

You may have heard your insurance agent tell you that they need to place your insurance with a non-admitted insurance company. 

Other terms for a non-admitted carrier is a surplus lines or an excess lines insurance carrier.  What does it mean if your insurance agent advises that they need to place your insurance with a non-admitted insurance company?  What is the difference between an admitted and a non-admitted insurance company

Most policies are admitted policies.  An admitted policy is the best option for an agent to place you with in the majority of cases. Price is not a good reason to go with a non-admitted policy. The two main reasons to select a non-admitted policy are as follows.


  • An applicant does not meet the underwriting requirements for an admitted policy.
  • The coverage sought is not available on admitted paper.

There is a lot to understand when it comes to admitted VS non-admitted insurance policies.  If you are being advised that your insurance is being placed with a non-admitted insurance company, we encourage you to check out our complete blog on the subject of Admitted VS Non-Admitted Insurance here

If you have any questions, we encourage you to contact us 24/7/365 at the button below, or call the office at 617-846-5000.

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With offices in Danvers & Winthrop Massachusetts, Elliot Whittier Insurance Services, LLC has been awarded The Five Star Award of Distinction from the Massachusetts Association of Insurance Agents.  Elliot Whittier Insurance is also a Trusted Choice®agency and represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs.  You can visit Elliot Whittier online at www.ElliotWhittier.com, email info@elliotwhittier.com,  or call 800-696-3947.


What to do Next?

Have us review your insurance policies and check that your limits are sufficient. Ask what the cost is to bump it up under higher limit scenarios.

Call today 617-846-5000 or click here 24/7/365 and we will get back to you same day or the next business day