The Michigan Surplus Lines Agent License Application (Form FIS 0237, Rev. 09/2024) is the official filing every producer must submit to the Michigan Department of Insurance and Financial Services to legally place coverage with non-admitted insurers in Michigan. Without this license, no producer—resident or non-resident—may sell, solicit, or negotiate property and casualty coverage that admitted carriers refuse to write, and any premium placed without it is voidable under MCL 500.1905.
This guide walks you through every field on the application, the NIPR electronic filing path, the surety bond requirement, and the surplus lines premium tax filings handled through the Surplus Lines Association of Michigan. Michigan reported 4,287 active surplus lines producers in 2024, and DIFS rejected roughly 11% of paper FIS 0237 submissions for incomplete background disclosures or missing Letters of Certification.
- 📋 The exact line-by-line answers for every box on Form FIS 0237 and its NIPR equivalent
- 💵 The current $30 application fee, $5,000 surety bond rule, and 2-year renewal cycle
- 🧾 Three full filer walkthroughs covering resident, non-resident, and business-entity paths
- ⚠️ The 10 most common rejection triggers and the consequence each one creates
- 🔁 How appointment, premium tax, and SLA-MI stamping fees fit together after licensing
What the Form Is and Who Must File It
Form FIS 0237 is the Michigan Surplus Lines Agent License Application authorized under MCL 500.1206a and the surplus lines code at MCL 500.1901 et seq.. The form qualifies an already-licensed Property & Casualty producer to place business with eligible non-admitted insurers when the admitted market has declined the risk. Filing the form does not, on its own, create producer authority; the filer must already hold an active P&C resident or non-resident producer license before DIFS will issue the surplus lines qualification.
Three groups must file: resident Michigan P&C producers seeking the surplus lines authority, non-resident producers from any compact state seeking Michigan reciprocity, and business entities (LLCs, corporations, partnerships) that intend to place surplus lines through their licensed individual agents. A producer who places even one surplus lines policy without this license commits a violation under MCL 500.1207, exposing the producer to administrative fines up to $500 per violation, license revocation, and civil liability to the insured for any uncollectible loss.
The form interacts directly with the NAIC Uniform Application used by NIPR, the Surplus Lines Association of Michigan that stamps every policy, and the federal Nonadmitted and Reinsurance Reform Act (NRRA) of 2010, which fixed surplus lines tax authority in the insured’s home state. The current form revision is dated 09/2024; using the prior 03/2021 version causes automatic rejection because the background disclosure questions were renumbered.
Before You Start: Documents and Information You Need
Gather every document below before opening the application. Missing items are the leading cause of the 11% rejection rate DIFS reports each year, and once submitted, FIS 0237 cannot be edited—you must withdraw and refile, losing the $30 application fee.
- Active P&C producer license number (Michigan NPN or home-state license number). Without an active P&C license, DIFS will not issue surplus lines authority because the qualification rides on top of the underlying line.
- National Producer Number (NPN) from the NIPR PDB lookup. DIFS keys every record to the NPN; entering the wrong number routes your fee to another producer.
- $5,000 surety bond payable to the People of the State of Michigan under MCL 500.1905a. Without the original bond on file, DIFS holds the application indefinitely.
- Letter of Certification (LOC) from your home state, dated within 90 days, if you are a non-resident applicant. An expired LOC is the single most common non-resident rejection.
- Fingerprint receipt from IdentoGO for first-time Michigan resident applicants. The receipt number proves the FBI/MSP background check is in process.
- Background disclosure documentation for any “Yes” answer to Questions 1A–1J. Missing court documents trigger a 30-day deficiency letter that pauses processing.
- Entity formation documents (Articles of Organization, EIN letter, list of officers) for business entity applicants. DIFS verifies the entity name against LARA Corporations Online Filing System.
- Designated Responsible Licensed Producer (DRLP) information for entity filers. Without a DRLP NPN, the entity application cannot be processed under MCL 500.1206b.
- Payment method: credit card for NIPR, or check/money order payable to “State of Michigan” for paper filings. Cash is never accepted.
- Email address that matches your NIPR profile. DIFS sends every status notice electronically, and a mismatch routes notices to a stale address.
Where to Get the Form and How to Access It
The official PDF lives on the DIFS Insurance Producer Forms page under “Surplus Lines Agent License Application FIS 0237.” The form is a fillable PDF; opening it in a browser preview and typing into the fields will not save your entries. Always download the file and open it in Adobe Acrobat Reader before typing.
Most producers skip the paper PDF entirely and file electronically through the NIPR Apply for a License portal, which feeds directly into the DIFS State Based Systems (SBS) database. NIPR charges a $5.60 transaction fee on top of the $30 state fee, but the electronic path posts to DIFS in 1–3 business days versus 4–6 weeks for mail. Sircon by Vertafore offers a parallel electronic channel with the same DIFS feed and similar transaction fees.
The form’s revision date appears in the bottom-left corner as “FIS 0237 (Rev. 09/2024).” If you downloaded a copy more than six months ago, replace it with the current version because DIFS rejects filings on superseded revisions. Business entity applicants use the same FIS 0237 but check the “Business Entity” box at the top, which unlocks Section 5 (Entity Information) and disables Section 4 (Individual Background).
Step-by-Step: How to Fill Out FIS 0237 Line by Line
The form has six numbered sections and a signature block. Number every entry exactly as it appears on your producer license, your driver’s license, or your SSA records, in that order of priority. DIFS cross-checks every field against the NAIC State Producer Licensing Database, so a single mismatch can stall the application for weeks.
Section 1, Box 1: Application Type
This box asks whether you are filing for a new license, a reinstatement, or an amendment to an existing surplus lines authority. Check exactly one box—checking two voids the form. Marcus Chen, a resident producer adding surplus lines for the first time, checks “New License.” If your prior surplus lines license lapsed less than 12 months ago, check “Reinstatement” and attach Form FIS 0244; lapses over 12 months require a brand-new application and a fresh exam under MCL 500.1204c. The most common mistake here is checking “Amendment” when you mean “New”—amendments are only for changing a name or address on an existing surplus lines license, and a wrong check returns the application without processing. A widespread misconception is that “Reinstatement” works after any lapse; in reality, the 12-month window is hard, and the DIFS Bulletin 2018-15-INS confirms no exceptions.
Section 1, Box 2: Resident or Non-Resident
This field asks whether Michigan is your declared home state for licensing purposes. Check “Resident” only if Michigan is your principal place of business or legal residence as defined by MCL 500.1200(b). Priya Desai, who lives in Ohio but writes Michigan accounts, checks “Non-Resident” and enters Ohio as her home state. The edge case appears for producers who recently moved to Michigan—you have 30 days under MCL 500.1208a to update your home state, and filing as a resident before your Michigan P&C license posts will trigger a “no underlying authority” rejection. The most common mistake is dual-claiming residency in two states; DIFS catches this through the NAIC PDB and refers the file to enforcement. The misconception is that “resident” follows your driver’s license, when it actually follows the NAIC home-state rule tied to your principal business location.
Section 2, Boxes 3–7: Personal Information
These five boxes capture your full legal name, date of birth, Social Security Number, National Producer Number, and Michigan license number. Enter your name exactly as it appears on your Social Security card—no nicknames, no initials unless your SSA record uses them. Marcus Chen writes “Marcus Wei Chen” in Box 3, “07/14/1988” in Box 4, his nine-digit SSN with no dashes in Box 5, “20451123” in Box 6, and “0987654” in Box 7. The nuance: married producers who recently changed their name must first update the SSA record before filing, because DIFS pulls the SSA verification through the E-Verify cross-check and a mismatch creates a 60-day hold. The common mistake is entering the SSN with dashes when the box reads “no dashes,” which causes the OCR scanner to read only the first three digits. The misconception is that the NPN and the Michigan license number are the same—they are different numbers, and swapping them files the application under another producer’s record.
Section 3, Boxes 8–12: Contact Information
These boxes ask for your residence address, business address, business phone, business email, and preferred mailing address. Use a physical street address in Box 8; P.O. Boxes are rejected for the residence line under DIFS Producer Licensing Manual §3.2. Priya Desai writes “4421 Elm Ridge Drive, Toledo, OH 43615” in Box 8, her Michigan business address in Box 9, and checks “Business” as preferred mailing in Box 12. The edge case is producers working from a home office—use the home address in both Box 8 and Box 9, and write “Same as residence” only if the form provides that checkbox; otherwise re-enter the full address. The most common mistake is using a P.O. Box in Box 8, which triggers automatic rejection because surplus lines producers must be servable for civil process at a physical address. The misconception is that email is optional; under MCL 500.1208c, Michigan requires an active email for every producer record, and a missing email blocks renewal notices.
Section 4, Questions 1A–1J: Background Disclosure
This section asks ten yes/no questions about criminal history, regulatory actions, civil judgments, bankruptcies, child support arrears, tax liens, business failures, military discipline, and pending investigations. Answer every question—a blank counts as a “Yes” for processing purposes and triggers a deficiency letter. Marcus Chen, who has a 2009 misdemeanor for disorderly conduct, checks “Yes” to Question 1A and attaches the certified court disposition, a personal statement, and a Form FIS 0247 Background Information Disclosure. The nuance: expunged or sealed Michigan offenses still require disclosure under MCL 500.1239(1)(f), even though the public record is sealed. The most common mistake is answering “No” to Question 1A based on an expungement, which DIFS treats as a material misrepresentation grounds for denial under MCL 500.1239(1)(a). The misconception is that out-of-state offenses don’t count—DIFS pulls a multi-state criminal history through the FBI Triple-I, and any concealed out-of-state matter creates a denial record that follows you to every other state.
Section 5, Boxes 13–18: Entity Information (Business Entity Filers Only)
Business entity applicants complete these boxes for legal entity name, FEIN, state of formation, type of entity, DRLP name, and DRLP NPN. The legal entity name in Box 13 must match LARA records exactly, including punctuation and “LLC” versus “L.L.C.” Greenfield Insurance Services LLC writes “Greenfield Insurance Services LLC” in Box 13, “47-3829104” in Box 14, “Michigan” in Box 15, “Limited Liability Company” in Box 16, “Marcus Chen” in Box 17, and “20451123” in Box 18. The edge case applies to foreign entities—out-of-state LLCs must register with LARA Corporations Division before applying, or DIFS will deny for lack of authority to transact in Michigan. The most common mistake is naming an unlicensed person as DRLP; the DRLP must hold an active Michigan resident or non-resident P&C license with the surplus lines qualification or qualify for it concurrently. The misconception is that one DRLP can cover multiple entities indefinitely; under MCL 500.1206b(3), the DRLP must have direct supervisory authority, which DIFS enforces through periodic audits.
Section 6, Box 19: Surety Bond Information
This box asks for the bond company name, bond number, effective date, and bond amount. The bond must equal $5,000 minimum under MCL 500.1905a and run continuously without expiration. Marcus Chen writes “Travelers Casualty and Surety Company of America” as the bond company, “106729841” as the bond number, “01/15/2026” as the effective date, and “$5,000” as the bond amount. The nuance: the original bond document with raw signatures and the surety’s corporate seal must be mailed to DIFS even when the rest of the application is electronic—a scanned copy is insufficient under DIFS practice. The most common mistake is buying a one-year-term bond instead of a continuous bond; DIFS returns term bonds and the producer must purchase a new continuous bond at full premium. The misconception is that an Errors & Omissions policy substitutes for the surety bond; E&O protects the producer from negligence claims, while the surety bond protects the State and insureds from the producer’s misconduct, and both are required for surplus lines practice.
Signature Block, Box 20: Attestation and Signature
The signature block requires the applicant’s original signature, printed name, title (for entity filers), and date. Sign in blue ink for paper filings to distinguish the original from photocopies. Marcus Chen signs his name, prints “Marcus Wei Chen,” leaves “Title” blank as an individual filer, and dates “01/22/2026.” The edge case applies to power-of-attorney filings—DIFS does not accept POA signatures on FIS 0237 because the attestation includes a personal under-penalty-of-perjury affirmation that only the applicant can make. The most common mistake is dating the signature more than 30 days before submission; stale signatures cause rejection because the background disclosures must be current as of submission. The misconception is that an electronic signature on a NIPR filing is “less binding” than ink—the NAIC Producer Licensing Model Act §13 treats the NIPR e-signature as legally equivalent, and any false statement carries the same perjury exposure.
Three Filled-Out Examples Using Real Scenarios
Scenario 1: Marcus Chen, Resident Michigan P&C Producer Adding Surplus Lines
Marcus is a 37-year-old resident producer in Grand Rapids who has held a P&C license for six years and now wants to write hard-to-place commercial property risks for a manufacturing client.
| Form Section | What Marcus Enters |
|---|---|
| Box 1 Application Type | New License |
| Box 2 Residency | Resident |
| Box 3 Full Legal Name | Marcus Wei Chen |
| Box 5 SSN | 123456789 (no dashes) |
| Box 6 NPN | 20451123 |
| Box 7 Michigan License # | 0987654 |
| Box 8 Residence Address | 1188 Plainfield Ave NE, Grand Rapids, MI 49505 |
| Question 1A Criminal History | Yes — attaches 2009 disposition + FIS 0247 |
| Box 19 Surety Bond | Travelers, Bond #106729841, $5,000 continuous |
| Box 20 Signature | Marcus Wei Chen, 01/22/2026 |
Scenario 2: Priya Desai, Non-Resident Ohio Producer Seeking Michigan Reciprocity
Priya is a 44-year-old Toledo-based producer whose largest client just opened a Michigan distribution center, requiring her to place surplus lines coverage on the new facility.
| Form Section | What Priya Enters |
|---|---|
| Box 1 Application Type | New License |
| Box 2 Residency | Non-Resident (Home State: Ohio) |
| Box 3 Full Legal Name | Priya Anjali Desai |
| Box 6 NPN | 17298044 |
| Box 7 Michigan License # | Leave blank — assigned upon approval |
| Box 8 Residence Address | 4421 Elm Ridge Drive, Toledo, OH 43615 |
| Letter of Certification | Ohio LOC dated 12/04/2025 (within 90 days) |
| Question 1A–1J | All “No” |
| Box 19 Surety Bond | Liberty Mutual, Bond #SLB-7741293, $5,000 continuous |
| Box 20 Signature | Priya Anjali Desai, 01/18/2026 |
Scenario 3: Greenfield Insurance Services LLC, Michigan Business Entity Filing
Greenfield is a Lansing-based agency formed in 2022 with three licensed producers, now seeking entity-level surplus lines authority so the agency name can appear on surplus lines policies.
| Form Section | What Greenfield Enters |
|---|---|
| Box 1 Application Type | New License (Entity) |
| Box 2 Residency | Resident Entity |
| Box 13 Legal Entity Name | Greenfield Insurance Services LLC |
| Box 14 FEIN | 47-3829104 |
| Box 15 State of Formation | Michigan |
| Box 16 Entity Type | Limited Liability Company |
| Box 17 DRLP Name | Marcus Wei Chen |
| Box 18 DRLP NPN | 20451123 |
| Box 19 Surety Bond | Hartford, Bond #ENT-558912, $5,000 continuous |
| Box 20 Signature | Marcus Wei Chen, Managing Member, 01/25/2026 |
How to File the Completed Form
Michigan accepts surplus lines license applications through three channels: the NIPR Apply for a License portal, the Sircon producer portal, and paper submission to DIFS. Pick the channel that matches your urgency, technology comfort, and attachment volume.
NIPR (recommended). File at nipr.com using a credit card or ACH. The state fee is $30 and the NIPR transaction fee is $5.60. Processing time runs 1–3 business days for clean files and up to 10 business days when background review is triggered. NIPR emails a transaction receipt that serves as your proof of filing—save the PDF immediately.
Sircon by Vertafore. File at sircon.com with a $6.50 transaction fee plus the $30 state fee. Processing time matches NIPR. Sircon issues a confirmation number that must be retained for renewal cross-reference.
Paper FIS 0237 by mail. Mail the signed original, the original surety bond, the $30 check payable to “State of Michigan,” and any background attachments to DIFS, P.O. Box 30220, Lansing, MI 48909-7720. Processing takes 4–6 weeks. Send via USPS Certified Mail with Return Receipt and keep the green card—it is your only proof of timely filing.
In-person delivery. DIFS accepts walk-ins at 530 W. Allegan Street, 7th Floor, Lansing, MI 48933, weekdays 8:00 a.m. to 5:00 p.m. The counter clerk date-stamps a copy as your receipt. In-person filings still take 4–6 weeks for processing because the queue is the same as mail.
What Happens After You File
DIFS sends an automatic email acknowledgment within 24 hours of NIPR/Sircon filings and within 10 business days of paper filings. The acknowledgment lists your application reference number, which you use for every status check through the DIFS License Lookup tool. Track the file at least weekly because deficiency letters carry a 30-day response window.
If approved, DIFS issues the surplus lines qualification electronically to your existing producer record. You can download the updated license PDF from NIPR’s License Print service at no cost. The qualification carries the same expiration date as your underlying P&C license, which renews on a 2-year cycle ending the last day of your birth month under MCL 500.1206a(4).
Once licensed, every surplus lines policy you place must be stamped by the Surplus Lines Association of Michigan within 60 days of the policy effective date and reported on the SLA-MI electronic filing system. The premium tax rate is 2% of gross premium under MCL 500.1905, filed quarterly through the Michigan Treasury surplus lines tax portal. Late SLA-MI filings carry a $50-per-policy penalty, and late premium tax filings trigger interest plus a 5% monthly penalty capped at 25%.
Mistakes to Avoid When Filling Out the Form
- Filing without an active P&C license. DIFS denies the surplus lines qualification and forfeits the $30 fee.
- Using FIS 0237 Rev. 03/2021 instead of Rev. 09/2024. Automatic rejection because background questions were renumbered.
- Answering “No” to Question 1A based on expungement. Treated as material misrepresentation under MCL 500.1239 and grounds for denial.
- Submitting a one-year-term surety bond. DIFS requires a continuous bond, and term bonds get returned at full premium loss.
- Naming an unlicensed DRLP on entity filings. Application is suspended until a qualified DRLP replaces the named individual.
- Using a P.O. Box in Box 8 (residence). Triggers rejection because surplus lines producers must be servable at a physical address.
- Letter of Certification more than 90 days old. Non-resident applications are rejected and the producer must request a fresh LOC.
- Mismatched NPN and Michigan license number. Routes the fee to another producer and creates an SSA cross-check failure.
- Sending only a scanned surety bond. DIFS requires the original raw-ink bond with the surety seal mailed to Lansing.
- Dating the signature more than 30 days before submission. Stale signature voids the perjury attestation and forces refiling.
- Forgetting to attach the FIS 0247 Background Information Disclosure for any “Yes” answer on 1A–1J. DIFS issues a deficiency letter that pauses processing.
Do’s and Don’ts
- Do download a fresh copy of FIS 0237 from the DIFS site within 30 days of filing because revisions are silent.
- Do file electronically through NIPR whenever possible because the processing time is up to 30 days faster than mail.
- Do mail the original surety bond on the same day you submit electronically so the paper and electronic records sync.
- Do save the NIPR transaction receipt PDF immediately because retrieval after 90 days requires a paid request.
- Do disclose every “Yes” answer fully because partial disclosure is treated harsher than full disclosure under DIFS policy.
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Do confirm your home-state license is active on the NAIC PDB before filing because lapsed home-state authority kills the Michigan application.
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Don’t sign FIS 0237 in black ink for paper filings because DIFS uses signature color to distinguish originals from copies.
- Don’t assume your existing P&C E&O policy covers surplus lines exposure—most policies require a surplus lines endorsement.
- Don’t leave any 1A–1J question blank because DIFS treats blanks as undisclosed “Yes” answers.
- Don’t file a paper application without certified mail tracking because lost mail forfeits both the fee and the bond.
- Don’t use a foreign entity name that is not yet registered with LARA because DIFS denies for lack of authority to transact.
- Don’t rely on a verbal LOC from another state—DIFS only accepts written, sealed Letters of Certification on home-state letterhead.
Pros and Cons of Filing on Your Own vs. With Help
Pros of self-filing through NIPR
- Saves the $150–$400 fee a licensing service typically charges because the NIPR interface is straightforward for licensed producers.
- Faster turnaround because you submit immediately rather than waiting for a service’s batch processing window.
- Direct control of background disclosures because you decide how to phrase explanations rather than relying on a third party’s template.
- Better long-term renewal compliance because you learn the system and can manage your own 2-year renewal cycle.
- Direct DIFS communication because deficiency letters come straight to you instead of routing through a service intermediary.
Cons of self-filing
- Higher rejection risk for first-time filers because the 11% DIFS rejection rate concentrates on solo applicants.
- No second pair of eyes on background disclosures, which is the highest-risk section of the form.
- You are personally on the hook for tracking deadlines because no service is sending reminders.
- You absorb learning-curve time on the SLA-MI stamping system and the quarterly premium tax filings post-licensing.
- Mistakes on the form cost the $30 fee plus the bond reinstallation cost when you have to refile.
Comparing Filing Channels for FIS 0237
| Filing Method | Key Details |
|---|---|
| NIPR Electronic | $30 state + $5.60 NIPR fee, 1–3 business day processing, immediate email receipt |
| Sircon Electronic | $30 state + $6.50 transaction fee, 1–3 business day processing, confirmation number receipt |
| Paper Mail to DIFS | $30 check, 4–6 week processing, certified mail receipt as proof of filing |
| In-Person at DIFS Lansing | $30 check, 4–6 week processing, date-stamped counter copy as proof |
FAQs
Do I need a Michigan P&C license before filing FIS 0237?
Yes. The surplus lines authority is a qualification on top of an active Property & Casualty producer license, and DIFS denies any FIS 0237 filed without an underlying active P&C license.
Is the $5,000 surety bond required for non-resident applicants?
Yes. Every surplus lines applicant—resident or non-resident—must file a $5,000 continuous surety bond payable to the People of the State of Michigan under MCL 500.1905a, with no reciprocity exemption.
Can I file FIS 0237 through NIPR even if I am a non-resident?
Yes. NIPR supports non-resident surplus lines applications for Michigan, and you upload the home-state Letter of Certification directly to the NIPR portal during the filing.
Do I write my maiden name or married name in Box 3?
Yes, use whichever name appears on your current Social Security Administration record because DIFS cross-checks the SSA database, and a mismatch creates a 60-day verification hold.
Should I check “Yes” on Question 1A for an expunged offense?
Yes. Michigan requires disclosure of expunged or sealed offenses under MCL 500.1239(1)(f), and answering “No” is treated as a material misrepresentation grounds for denial.
Is Box 7 (Michigan License #) required for non-resident applicants?
No. Non-residents leave Box 7 blank because DIFS assigns the Michigan license number after approval, and entering a guessed number routes the file to another producer.
Can a P.O. Box go in the residence address field?
No. Box 8 requires a physical street address because surplus lines producers must be servable for civil process, and a P.O. Box triggers automatic rejection.
Does an E&O policy replace the surety bond requirement?
No. Errors & Omissions coverage protects the producer from negligence claims, while the $5,000 surety bond protects the State and insureds from producer misconduct, and both are independently required.
Do I need to file the surety bond original by mail if I file electronically?
Yes. DIFS requires the raw-ink original bond mailed to Lansing even when the application is submitted through NIPR, because scanned bonds are not accepted as proof of bond posting.
Can one DRLP cover multiple business entities?
Yes, but only if the DRLP exercises direct supervisory authority over each entity under MCL 500.1206b(3), and DIFS audits multi-entity DRLPs for actual supervision.
Is the $30 application fee refundable if my application is denied?
No. The $30 state fee and the NIPR/Sircon transaction fees are non-refundable regardless of approval, denial, or withdrawal, so accuracy on first filing matters.
How long does the surplus lines license stay valid before renewal?
Yes, it follows your underlying P&C license, which renews every 2 years on the last day of your birth month under MCL 500.1206a(4), with a 24 continuing education credit requirement.
Do I need to file a separate appointment for surplus lines insurers?
No. Surplus lines placements do not require carrier appointments under MCL 500.1208a(2), because non-admitted insurers operate outside the appointment system that governs admitted carriers.
Can I place surplus lines while my FIS 0237 is pending DIFS review?
No. No surplus lines policy may be bound until DIFS issues the qualification and the SLA-MI confirms eligibility, and any policy bound during pendency is voidable under MCL 500.1905.
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