By clicking “I Agree” You agree that you, with a sound mind, have read and understand this agreement and agree to be bound by the terms and conditions contained in AND REFERENCED IN this Agreement.
Excess Personal Umbrella (EPCL) Program
BY CLICKING “I DO NOT AGREE” YOU WILL NOT HAVE ACCESS TO PORTIONS OF THE BROWN & BROWN WEBSITE.
As a retail agent, you must hold a current Property & Casualty agent’s license for the state in which you wish to write the risk. Once a quote is generated,
a base premium will be shown. As the retail agent, you must calculate the appropriate fees and taxes for the state in reference to the base premium.
The information below will
help clarify how to calculate fees and taxes to obtain proper premium.
******Note: products not
available in AK, LA, and WV*******
**Please Note:
Agents in New York must have a BR license number in order to bind the policy.**
**A Surplus Lines License is required for TN and CA**
**Please contact our National Personal Lines Operation Center for the following States: CA, IA, IL, KY, MT, OR, PA, WA, WY**
For Admitted Quotes- All States
Add the Premium along with Policy Fee to calculate. (Note: Policy Fee is listed on the upper right hand corner of quote).
For Non-Admitted Quotes: By State:
Policy Fee $50 (Except: AR $150, FL $35, DC $150, MI & MN $25)
AL, AZ, AR, CO, DE, FL, GA, ID, IN, KS, KY, MA, MD, MN, MS, MO, NE, NV, NJ, NM,
ND, OH, OK, OR, SC, SD, TN, TX, UT, VA, WI
Taxes are calculated on (Base Premium + Policy Fee) x Surplus Lines Taxes (found on upper right corner of quote)
Example:
($300 + $50) x 6%
then
$350 x 6% = $21.00
then
$350 + $21.00 = Total Premium with fees and taxes = $371.00
CT, DC, HI, MA, ME, MD, MN, NC, NH, NY, RI, VT
Taxes are calculated on Base
Premium only
Example:
$300 x 6% + $100
then
$300 x 6% = $18 then
$300 + $18 + $100 = Total Premium with fee and taxes = $418.00