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Commercial Lines Bulletin

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New-Business Eligibility Rule Increases to 20%

In response to Senate Bill 2A, which was signed by the governor on December 16, 2022, one of Citizens' new-business eligibility rules will be updated to comply with the legislation. For any residential Commercial Lines new-business risk to be eligible for Citizens coverage, the premium for coverage from an authorized insurer must be at least 20% higher than the premium for comparable coverage from Citizens. The prior rule’s threshold was 15% for commercial residential polices. Rule 101 in our manuals will be updated.

Any customer applying for new Commercial Lines coverage with Citizens must meet either the no-offer-of-coverage or the 20% rule.

If an offer is available from an authorized insurer, upload documentation with the application verifying their premium is at least 20% higher than the premium for comparable coverage with Citizens.


  • PolicyCenter® will soon be updated to reflect the 20% rule on applications.
  • The Required Documents section of PolicyCenter will soon be updated to reference the 20% rule.

The website, brochures and the underwriting manuals will be updated as soon as possible.


Log in to the Agents site to:

  • Select FAQs on the menu at the top of each page. Enter 20% in the Search field.
  • Review Commercial Lines Underwriting Guidelines, which will be updated soon. Select Commercial > CR-M or CR-W and select Manuals.

Legal Disclaimer

Citizens provides agent communications online for historical purposes only, and the communications have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals, and by logging in and accessing our FAQs, which are available from the top of any page on our website.