Insurance License Hub

The Alabama Surplus Line Broker license

Surplus Line Broker

Places cover that authorized insurers will not write, on a property and casualty producer license underneath. Alabama is the only state here that asks a broker for a high school diploma, and it asks for three years of recent full-time experience beside it.

Course

None

This license has no pre-licensing course route.

Ways in

2

None of them requires a state exam, because this license has none.

Exam

n/a

Not required on any of the routes below.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by experience or a license held in another state.

  1. Route 1 Hold the property and casualty lines and three years in them

    No state exam for this license

    The producer license underneath

    • an Alabama resident insurance producer license carrying the property and casualty lines of authority

    and schooling and time served

    • 3 years A high school diploma and three years of recent full-time experience in the property and casualty field, which Regulation 36 requires and which the statute leaves as the commissioner being satisfied the applicant has had sufficient experience in the insurance business

    and the bond

    • A bond of $50,000 executed and attached on form AL-SLB-13, required of every resident surplus line broker

    The statute is thin and Regulation 36 does the work. The Department states the statutory test as any person licensed as a resident producer for the property and casualty lines "who is deemed to have had sufficient experience in the insurance business", and then supplies the regulation's content: "Regulation 36 requires a high school diploma and 3 years of recent full-time experience in the property and casualty field."No other surplus lines license on this site asks for a school qualification of any kind. Idaho's 41-1223(1) asks for two years of producer experience and is the nearest, Washington and Maine and Alaska ask for none at all. The $50,000 bond is also the largest single surplus lines bond here: Washington's two bonds run to $20,000 and $2,500, Maine's to $20,000. The Department's fee is $230 initial and $200 renewal for an individual, and $530 and $500 for a business entity.

    Read at the Department on 2026-08-19

  2. Route 2 Hold a surplus line broker license in your home state

    No state exam for this license

    • a surplus line broker license in the applicant's home state, where that state awards nonresident licenses to Alabama residents on the same basis

    The nonresident route asks for nothing Alabama-specific: no diploma, no three years, no bond, only the home state license and reciprocity measured by what the home state does for Alabama residents. It is the same mirror-image test the Department applies to nonresident independent adjusters from California, Hawaii and New York.

    Read at the Department on 2026-08-19

No national seller sells a course for this license. Alabama examines nobody for it: the qualification is a property and casualty producer license, a high school diploma, three years of recent full-time experience and a $50,000 bond.