Idaho § 41-3811 - Adequacy of surplus
Full text of Idaho Idaho Statutes § 41-3811 — Adequacy of surplus, with citation guidance and answers to common questions.
§ 41-3811. Adequacy of surplus
For purposes of this chapter, in determining whether an insurer’s surplus regarding policyholders is reasonable in relation to the insurer’s outstanding liabilities and adequate to meet its financial needs, the following factors, among others, shall be considered:
(1) The size of the insurer as measured by its assets, capital and surplus, reserves, premium writings, insurance in force and other appropriate criteria;
(2) The extent to which the insurer’s business is diversified among several lines of insurance;
(3) The number and size of risks insured in each line of business;
(4) The extent of the geographical dispersion of the insurer’s insured risks;
(5) The nature and extent of the insurer’s reinsurance program;
(6) The quality, diversification and liquidity of the insurer’s investment portfolio;
(7) The recent past and projected future trend in the size of the insurer’s investment portfolio;
(8) The surplus regarding policyholders maintained by other comparable insurers;
(9) The adequacy of the insurer’s reserves;
(10) The quality and liquidity of investments in affiliates; the director may treat any investment in an affiliate as a disallowed asset for purposes of determining the adequacy of surplus regarding policyholders whenever in the judgment of the director the investment so warrants; and
(11) The quality of the insurer’s earnings and the extent to which the reported earnings include extraordinary items.
[41-3811, added 2013, ch. 266, sec. 2, p. 668.]
Source: official Idaho text · Last verified 2026-08-27
Frequently Asked Questions About Idaho § 41-3811
What does Idaho Statutes § 41-3811 cover?
Section 41-3811 ("Adequacy of surplus") is part of the Idaho Statutes, the codified statutory law of Idaho. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Idaho § 41-3811?
A common citation format is "Idaho Statutes § 41-3811" (Idaho). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Idaho law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Idaho official source linked on this page or consult a licensed Idaho attorney.
How does Idaho § 41-3811 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Idaho can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Idaho.