# Insurance (GIN)

## Title 4. General Requirements for Insurers

### Subtitle 2. Unauthorized Insurers

#### Section 4-203

(a) This section does not apply to:

  (1) acceptance of service of process;

  (2) surplus lines insurance;

  (3) a transaction for which a certificate of authority is not required under Sec. 4-101(b) of this title;

  (4) reinsurance, as authorized under Title 5, Subtitle 9 of this article;

  (5) an adjuster while providing services with respect to a claim under a policy lawfully solicited, issued, and delivered outside of the State; or

  (6) the professional services of an attorney at law.

(b) With respect to a subject of insurance resident, located, or to be performed in the State, a person may not in the State directly or indirectly act as an insurance producer for, or otherwise represent or help on behalf of another, an unauthorized insurer to:

  (1) solicit, negotiate, or effect insurance or an annuity contract;

  (2) inspect risks;

  (3) fix rates;

  (4) investigate or adjust losses;

  (5) collect premiums; or

  (6) transact insurance business in any other manner.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)