Excess & Surplus Lines insurance policies are not fully regulated by the state Department of Insurance. E&S insurers are not regularly examined for their financial condition, have non-standard reserve requirements and do not participate in the Guaranty Association for the protection of policyholders. Even though E&S insurance companies are financial sound, many states require a disclosure statement be provided with every policy.

In Idaho and other states, every insurance policy sold and delivered as a surplus line coverage must be countersigned by the broker who procured it, and must have conspicuously stamped upon it in RED ink with at least 10 pt BOLD print - alternatively the verbiage may be in BLACK ink with at least 12 pt BOLD print, like this example below.

For a list of related E&S questions click:  
What is Excess & Surplus Lines Insurance?