White List States

White List States are U.S. states that all have one thing in common: allowing extra and special insurance for a non-admitted insurer in the policy.

Lettuce 'splain:

White List States allow “surplus lines” for coverage, which is insurance that protects against financial risk that is too high for a regular-Joe insurance company. It might be the case that a surplus line is needed, but cannot be gotten, because only regular-Joe insurance companies are licensed by the state.

White List States basically have a white list of backup insurers that are allowed to come in, even if they aren’t licensed by the state. It’s like they get to come into the night club, since they’re whitelisted for being able to handle large and/or risky business.