General Insurance Definitions
Actual cash value, replacement cost, coinsurance, insurable interest, negligence, risk, reinsurance, salvage, nonadmitted carriers, MGAs and wholesale brokers.
Course Overview & Upcoming Class
Prepare for the New Jersey Surplus Lines producer examination with instructor-led review of nonadmitted insurance markets, New Jersey surplus lines law, diligent effort, the exportable list, SLIP reporting and other exam-tested topics.
Property + Casualty Authority RequiredNo Mandatory NJ Prelicensing HoursPSI Exam PrepLive Zoom
Atlantic School’s $199 Surplus Lines course is supplemental exam preparation. New Jersey currently lists no mandatory prelicensing education hours specifically for Surplus Lines.
Surplus Lines InsuranceNonadmitted markets, diligent effort and New Jersey compliance
Next Available Class
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Contact Us for the Next Surplus Lines Class Date
Live Zoom • Instructor-Led Exam Preparation
P&C RequiredApplicant must hold or will hold Property and Casualty authorities for Surplus Lines issuance
0 Mandatory HoursNJDOBI lists no required Surplus Lines prelicensing hours
PSI Computer ExamSurplus Lines is listed in PSI’s New Jersey candidate bulletin
Exam Fee$47 per examination
Important Education Note
New Jersey Does Not Require a Surplus Lines Prelicensing Course
NJDOBI currently lists no mandatory prelicensing education hours for Surplus Lines. Atlantic School’s course is optional, instructor-led examination preparation designed for candidates who want a structured review before testing. For a resident applicant, Surplus Lines is an additional authority. Under N.J.S.A. 17:22A-38, Surplus Lines authority may not be issued or renewed unless the applicant holds or will hold New Jersey Property and Casualty authorities, in addition to satisfying the current examination and application requirements.
Course Coverage
What You’ll Study for the New Jersey Surplus Lines Producer Exam
The course follows the major content areas in Atlantic School’s current Surplus Lines exam-prep materials, with extra emphasis on the New Jersey Surplus Lines Law and practical compliance distinctions.
Surplus Lines Markets
How admitted and nonadmitted markets differ, U.S. and London market structures, Lloyd’s concepts, producers, MGAs, brokerage and wholesale distribution.
Policies, Coverages & Forms
Commercial and specialty coverages, claims-made versus occurrence concepts, umbrella and excess insurance, policy statements and surplus-lines documentation.
Surplus Lines Licensing
The Property-and-Casualty prerequisite, Commissioner authority, Surplus Lines authority, licensing responsibilities, suspension or revocation issues and fraud triggers.
New Jersey Surplus Lines Law
Diligent effort, exportable risks, insurer eligibility, procurement, premium tax, multi-state home-state rules, required records, policy notices and producer responsibilities.
SLIP & Guaranty-Fund Concepts
Surplus Lines Information Portal reporting, transaction controls and the important distinction between ordinary guaranty protection and New Jersey’s limited Surplus Lines Insurance Guaranty Fund.
Licensing Path
How to Add New Jersey Surplus Lines Authority
Surplus Lines is not a first producer license. It is an additional authority tied to the underlying Property and Casualty authorities. N.J.S.A. 17:22A-38 provides that no Surplus Lines authority may be issued or renewed unless the applicant “holds or will hold” Property and Casualty authorities.
Meet the Property & Casualty Authority Requirement
Under New Jersey law, Surplus Lines authority may not be issued or renewed unless the applicant holds or will hold New Jersey Property and Casualty authorities.
Prepare for the Surplus Lines Exam
New Jersey does not mandate Surplus Lines prelicensing hours, but candidates may take supplemental instruction and exam preparation before testing.
Pass the Required Examination
Unless a current examination exception applies, the applicant must pass the New Jersey Surplus Lines licensing examination through PSI.
Apply for Surplus Lines Authority
Complete the current NJDOBI licensing process for the additional authority and follow the Department’s current application and fee instructions.
Licensing procedures can change. Review the official NJDOBI Producer Licensing FAQ, NJDOBI Surplus Lines resources, and PSI New Jersey candidate bulletin before testing or applying.
New Jersey Surplus Lines Licensing Exam at a Glance
Surplus LinesListed in PSI’s New Jersey producer candidate bulletin
Computer ExamPSI confirms computer administration for the NJ licensing exams in its bulletin
Exam DetailsConfirm current Surplus Lines question count, format, time and passing threshold with PSI
Exam Fee$47 per examination
PSI’s current New Jersey Insurance Producer and Public Adjuster Candidate Information Bulletin expressly includes Surplus Lines and states that the examination is administered by computer. NJDOBI currently lists the examination fee as $47 per examination. Review the current NJDOBI Producer FAQ. Surplus Lines candidates do not need to present a prelicensing course completion certificate or education waiver on test day.
Current Surplus Lines Exam Prep Tuition
Surplus Lines Exam Prep
$199
Instructor-Led Course
Register for Surplus Lines →
PSI Producer Examination$47Current NJDOBI examination feeReview NJDOBI Producer FAQ →
Atlantic School’s Surplus Lines course provides structured instructor-led preparation for licensed Property & Casualty producers preparing to add New Jersey Surplus Lines authority.
Tuition vs. state costs: The $199 Atlantic School tuition is separate from PSI examination and NJDOBI licensing/application costs.
- Live Zoom instruction with a licensed insurance instructor
- Course materials shipped before class for guided review
- Page-by-page review of the Surplus Lines study material
- Exam-focused review of New Jersey Surplus Lines law and specialized Surplus Lines topics
Course Experience
Instructor-Led Live Zoom Surplus Lines Exam Prep
The Surplus Lines course is built for professionals who already understand core Property & Casualty insurance and want focused preparation for the specialized New Jersey Surplus Lines examination.
Live Zoom Class
Join live instruction with real-time explanations, questions and exam-focused guidance from a licensed insurance instructor.
Register for Surplus Lines →Materials Shipped Before Class
Receive the course materials before the live session so you can follow the instructor’s structured review and mark important exam points.
Ask About the Next Class →Page-by-Page Preparation
Work through the material in sequence, reinforcing definitions, market structure, licensing, diligent effort, exportable risks, reporting, tax and guaranty-fund distinctions.
Start Registration →
Why Surplus Lines Matters
Understanding the Admitted and Nonadmitted Markets
Surplus lines insurance provides a lawful path for eligible risks that cannot be placed in the admitted market under New Jersey’s rules. A licensed Surplus Lines producer works with eligible nonadmitted insurers and must follow the state’s procurement, documentation, reporting and tax requirements.
The exam tests more than definitions. Candidates need to understand when diligent effort is required, how the exportable list changes that analysis, which insurers are eligible, and how producer responsibilities continue after coverage is placed.
NJDOBI currently states that New Jersey’s Surplus Lines state tax is 5% for policies effective on or after July 1, 2009, making premium-tax and reporting rules another important exam and compliance topic.
Review NJDOBI Surplus Lines Resources →
Who This Course Is For
Licensed P&C Professionals Adding Specialized Authority
Property & Casualty ProducersAgency ProfessionalsWholesale / Specialty Market ProfessionalsHard-to-Place Risk Specialists
If you have not yet obtained both Property and Casualty authorities, Atlantic School’s New Jersey P&C licensing guide explains the underlying authorities required for Surplus Lines issuance.
Register for Surplus Lines
Atlantic School
Why Prepare for Surplus Lines with Atlantic School?
Common Questions
New Jersey Surplus Lines Licensing FAQs
Does New Jersey require a Surplus Lines prelicensing course?
No. NJDOBI currently lists no mandatory prelicensing education hours specifically for Surplus Lines. Atlantic School’s $199 course is optional, supplemental exam preparation.
What Property and Casualty authority requirement applies to New Jersey Surplus Lines?
Under N.J.S.A. 17:22A-38, Surplus Lines authority may not be issued or renewed unless the applicant holds or will hold New Jersey Property and Casualty authorities. If you are still obtaining one or both underlying authorities, confirm the timing of your Surplus Lines application with NJDOBI.
Do I have to pass a Surplus Lines licensing examination?
Generally yes. NJDOBI requires the Surplus Lines examination unless a current examination exception applies to the applicant’s situation.
How is the New Jersey Surplus Lines exam administered?
PSI’s current New Jersey candidate bulletin lists Surplus Lines among the state insurance examinations and states that the examination is administered by computer. Surplus Lines candidates do not need to present a prelicensing course completion certificate or education waiver on test day. Review the current PSI candidate bulletin.
How much is the New Jersey Surplus Lines exam fee?
NJDOBI currently lists the examination fee as $47 per examination. Review the current NJDOBI Producer FAQ. Review the current PSI candidate bulletin.
What is the difference between admitted and surplus lines insurance?
An admitted insurer is licensed in New Jersey through the standard admitted market. Surplus lines placements use eligible nonadmitted insurers under New Jersey’s Surplus Lines Law when the risk qualifies for that market.
What are diligent effort and the exportable list?
Diligent effort is the documented effort to place eligible coverage in the admitted market before using surplus lines when required. New Jersey also maintains an exportable list for categories the state has determined may be exported under the applicable rules without the ordinary individual diligent-effort process.
Is Atlantic School’s Surplus Lines class offered online?
Yes. Atlantic School offers instructor-led Live Zoom Surplus Lines exam preparation. Course materials are shipped before class so students can follow the instructor’s page-by-page review.
How much is Atlantic School’s Surplus Lines exam-prep course?
Current tuition is $199. The tuition is separate from PSI examination and NJDOBI licensing/application costs.
Where do I register for the next Surplus Lines class?
Use the Surplus Lines registration page to enroll, or contact Atlantic School for upcoming Live Zoom class availability.
Get Ready for the New Jersey Surplus Lines Producer Exam
Build on your Property & Casualty background with focused New Jersey Surplus Lines law, market and compliance review.