How our department monitors insurance market practices
Insurance Company Contract and Rate Filings
DIFS Prohibition Orders for Consumer Finance and Credit Union.
Licensing - Consumer Finance and Mortgage
Consumer Finance and Mortgage Forms
BIDCO and Anti-Redlining Forms.
Statutes, Rules and Regulations
Search is currently unavailable. Please try again later.
The web Browser you are currently using is unsupported, and some features of this site may not work as intended. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer.
Only the insured’s Home State may require a surplus lines broker to be licensed to sell, solicit, or negotiate surplus lines insurance with respect to a particular placement.
When Michigan is the insured's Home State 100% of the tax should be paid to Michigan. The combined tax and regulatory fee is 2.5% as stated in MCL 500.1905(3)(d).
Currently, Michigan does not participate in any multistate clearinghouse or tax sharing arrangement.
Effective July 1, 2015, DIFS no longer accepts paper filings for surplus lines tax reports and payments. All surplus lines producers, purchasing groups, and risk retention groups are required to utilize OPTins for tax filings. Registration with OPTins is required prior to utilization of the system; this may take up to two weeks. Registration assistance is available by calling 816-783-8787 or emailing optinsmktg@naic.org. For assistance with the OPTins system when filing a tax report, please contact the OPTins Help Desk at 816-783-8990 or optinshelp@naic.org. See more information on Surplus Lines Licensee Filing the Surplus Lines Taxes.
