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Surplus lines insurance is coverage for specific risks that the standard or admitted market is either unable or unwilling to cover. While the admitted market is where most consumers find coverage, the surplus lines market is vital as a supplement for those consumers and businesses that cannot find coverage otherwise.
It specifically states: diligent effort means seeking coverage from and having been rejected by at least one authorized insurer currently writing this type of coverage and documenting this rejection.
Surplus lines insurance is a special type of insurance that covers unique risks. It fills a gap in the standard market by covering things that most companies cant or wont insure.
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The Diligent Effort / Disclosure Matrix was developed by the Florida Surplus Lines Service Office for the purpose of providing guidance on the diligent effort or disclosure requirement for each line of coverage, for both residential and nonresidential placements.
How to Conduct a Diligent Search in Florida Local telephone book from the city where the person last resided. Local 411 information in the city where the person last resided. Local city and county police departments for any possible arrests in the area where the person last resided.
Diligent effort means seeking coverage from and having been rejected by at least three admitted insurers currently writing the type of coverage documented in the rejections.
This form is to be used to obtain constructive service (also called service by publication) in a civil case. This form includes a checklist of places you can look for information on the location of the defendant in your case.

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