Who is required to file a report on surplus lines insurance not obtained through a broker?

The correct answer is that every insured with a home state in Missouri is required to file a report on surplus lines insurance not obtained through a broker. This requirement exists because all insured parties must maintain transparency regarding their insurance arrangements, especially when they seek coverage outside the standard market. This helps the regulatory body monitor and ensure proper compliance with state laws and regulations regarding surplus lines.

Surplus lines insurance refers to coverage obtained from non-admitted insurers, which means those insurers are not licensed by the state to operate in Missouri. However, when insureds acquire such coverage without engaging a broker—which is commonly the pathway for securing surplus lines—they are still responsible for reporting this activity to the state. This filing is crucial for maintaining a comprehensive understanding of the insurance landscape within the state and for regulatory purposes.

In contrast to the other options, while brokers and insurance producers have their own set of regulatory reporting requirements, the duty to file in this specific context falls to the insured. Self-insured entities are not typically involved in surplus lines reporting since they usually take on their own risks rather than purchasing insurance in the traditional sense.