Rhode Island Code of Regulations
Title 230 - Department of Business Regulation
Chapter 20 - Insurance
Subchapter 05 - Personal Lines - Automobile and Homeowners Insurance
Part 13 - Property Insurance and Weather Related Claims (230-RICR-20-05-13)
Section 230-RICR-20-05-13.10 - Surplus Lines Insurance and Insurance Producers

A. The provisions of this Part and R.I. Gen. Laws § 27-76-1 et seq. do not apply to residential property insurance issued by approved surplus lines insurers.

B. Upon policy renewal insurance producers and surplus line brokers should review existing surplus lines business to determine if it qualifies for the voluntary market or the RI FAIR Plan Part 11 of this Subchapter if available coverage meets the customer's needs.

C. Insurance producers should reach out to their customers to fully explain the coverages and exclusions and assist the insured in selecting the best product for their circumstances.