State Requirements
State-by-state compliance requirements and variations
Multi-State Compliance
Daily Event Insurance maintains licenses and regulatory compliance in all 50 states plus the District of Columbia. Each state has unique requirements, and we ensure full compliance with all state-specific regulations.
Important: Partners can operate in any state where Daily Event Insurance is licensed. You do not need separate licenses, but you must follow state-specific requirements for your location.
State Regulatory Categories
Highly Regulated States
CaliforniaNew YorkFloridaTexasMassachusetts+5 more
- Enhanced disclosure requirements
- Stricter rate filing standards
- Additional consumer protections
- Higher financial reserves
Moderate Regulation States
IllinoisPennsylvaniaOhioGeorgiaWashington+15 more
- Standard rate and form filing
- Regular market conduct exams
- Consumer complaint procedures
- Standard financial requirements
Flexible Regulation States
WyomingMontanaIdahoNevadaArizona+25 more
- File and use rate approval
- Simplified form approval
- Standard licensing requirements
- Basic financial standards
Common State Requirements
| Requirement | Description | Applies To | Status |
|---|---|---|---|
| Producer Licensing | Insurance agent licenses required to sell policies | All states | Compliant |
| Rate Filing | Insurance rates must be filed with state regulator | 45+ states | Compliant |
| Policy Form Approval | Insurance policy forms must be approved before use | All states | Compliant |
| Financial Reporting | Quarterly and annual financial statements required | All states | Compliant |
| Surplus Lines | Special rules for non-admitted insurance | Varies by state | N/A - Admitted |
| Advertising Rules | Marketing and advertising must follow state guidelines | All states | Compliant |
Special State Considerations
Some states have unique requirements that partners should be aware of:
🌴
California
- Proposition 103 rate approval process
- Enhanced consumer privacy (CCPA)
- Spanish language disclosure requirements
- Earthquake insurance considerations
🗽
New York
- Department of Financial Services oversight
- Strict rate approval process
- Enhanced cybersecurity requirements
- Special event venue regulations
🌊
Florida
- Hurricane and weather event provisions
- Citizens Property Insurance considerations
- Special event cancellation rules
- Venue liability requirements
⭐
Texas
- Texas Department of Insurance oversight
- Separate surplus lines regulations
- Venue certificate requirements
- Special event permit coordination
Know Your State Requirements
While Daily Event Insurance handles all licensing and regulatory filings, partners operating in highly regulated states should be aware of:
- Additional disclosure requirements at point of sale
- Language requirements for customer communications
- State-specific advertising and marketing rules
- Local business license or permit requirements
Questions About Your State?
Contact our compliance team for state-specific guidance and requirements
Contact State Compliance Team