Dual-Capacity Operations
Cushion Insurance Agency, LLC operates under a dual-capacity regulatory framework to ensure separation between retail procurement and delegated underwriting authority: We collect information that identifies, relates to, describes, or is reasonably capable of being associated with you ("Personal Information") to evaluate eligibility, underwrite, and bind insurance policies.
Retail Surplus Lines Brokerage & Producer: Non-admitted surplus lines insurance is procured through Cushion Insurance Agency, LLC (California Resident License #6019626), operating as a licensed surplus lines broker across operational jurisdictions.
Underwriting Administrator: Program administration and delegated underwriting operations are executed by Cushion Insurance Agency, LLC (California Resident License #6019626) operating as a licensed property and casualty insurance producer.
Retail Surplus Lines Brokerage & Producer: Non-admitted surplus lines insurance is procured through Cushion Insurance Agency, LLC (California Resident License #6019626), operating as a licensed surplus lines broker across operational jurisdictions.
Underwriting Administrator: Program administration and delegated underwriting operations are executed by Cushion Insurance Agency, LLC (California Resident License #6019626) operating as a licensed property and casualty insurance producer.
State Licenses & Producer Credentials
California (Resident)
Surplus Lines Broker License #6019626
Property & Casualty Insurance Producer License #6019626
Florida Licenses & Disclosures
Surplus Lines Broker License #L138687
Property & Casualty Insurance Producer License #L138687
THIS INSURANCE IS ISSUED PURSUANT TO THE FLORIDA SURPLUS LINES LAW. PERSONS INSURED BY SURPLUS LINES CARRIERS DO NOT HAVE THE PROTECTION OF THE FLORIDA INSURANCE GUARANTY ACT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE OBLIGATION OF AN INSOLVENT UNLICENSED INSURER.
SURPLUS LINES INSURERS' POLICY RATES AND FORMS ARE NOT APPROVED BY ANY FLORIDA REGULATORY AGENCY
Texas Licenses & Disclosures
Surplus Lines Broker License #3530394
Property & Casualty Insurance Producer License #3518881
This insurance contract is with an insurer not licensed to transact insurance in this state and is issued and delivered as surplus line coverage under the Texas insurance statutes. The Texas Department of Insurance does not audit the finances or review the solvency of the surplus lines insurer providing this coverage, and the insurer is not a member of the property and casualty insurance guaranty association created under Chapter 462, Insurance Code. Chapter 225, Insurance Code, requires payment of a 4.85 percent tax on gross premium.
Virginia Licenses & Disclosures
Surplus Lines Broker License #167150
Property & Casualty Insurance Producer License #167150
The policy is being procured from or has been placed with an insurer approved by the commission for issuance of surplus lines insurance in this Commonwealth, but not licensed or regulated by the commission and that there is no protection under the Virginia Property and Casualty Insurance Guaranty Association against financial loss to claimants or policyholders because of the insolvency of an unlicensed insurer
Colorado Licenses & Disclosures
Surplus Lines Broker License #954516
Property & Casualty Insurance Producer License #954516
This contract is delivered as a surplus line coverage under the 'Nonadmitted Insurance Act'. The insurer issuing this contract is not licensed in Colorado but is an eligible nonadmitted insurer. There is no protection under the provisions of the 'Colorado Insurance Guaranty Association Act'.
Illinois Licenses & Disclosures
Surplus Lines Broker License #22126921
Property & Casualty Insurance Producer License #3004298473
Notice to Policyholder: This contract is issued, pursuant to Section 445 of the Illinois Insurance Code, by a company not authorized and licensed to transact business in Illinois and as such is not covered by the Illinois Insurance Guaranty Fund.
For licensing inquiries, please contact us:
Email: licensing@needcushion.com
Mailing Address: Cushion Insurance Agency, LLC,
Attn: Licensing Department
390 NE 191st St, Suite 93139
Miami, FL, 33179
Phone (Toll-Free): 1-844-564-CSHN (2746)
Surplus Lines Broker License #6019626
Property & Casualty Insurance Producer License #6019626
Florida Licenses & Disclosures
Surplus Lines Broker License #L138687
Property & Casualty Insurance Producer License #L138687
THIS INSURANCE IS ISSUED PURSUANT TO THE FLORIDA SURPLUS LINES LAW. PERSONS INSURED BY SURPLUS LINES CARRIERS DO NOT HAVE THE PROTECTION OF THE FLORIDA INSURANCE GUARANTY ACT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE OBLIGATION OF AN INSOLVENT UNLICENSED INSURER.
SURPLUS LINES INSURERS' POLICY RATES AND FORMS ARE NOT APPROVED BY ANY FLORIDA REGULATORY AGENCY
Texas Licenses & Disclosures
Surplus Lines Broker License #3530394
Property & Casualty Insurance Producer License #3518881
This insurance contract is with an insurer not licensed to transact insurance in this state and is issued and delivered as surplus line coverage under the Texas insurance statutes. The Texas Department of Insurance does not audit the finances or review the solvency of the surplus lines insurer providing this coverage, and the insurer is not a member of the property and casualty insurance guaranty association created under Chapter 462, Insurance Code. Chapter 225, Insurance Code, requires payment of a 4.85 percent tax on gross premium.
Virginia Licenses & Disclosures
Surplus Lines Broker License #167150
Property & Casualty Insurance Producer License #167150
The policy is being procured from or has been placed with an insurer approved by the commission for issuance of surplus lines insurance in this Commonwealth, but not licensed or regulated by the commission and that there is no protection under the Virginia Property and Casualty Insurance Guaranty Association against financial loss to claimants or policyholders because of the insolvency of an unlicensed insurer
Colorado Licenses & Disclosures
Surplus Lines Broker License #954516
Property & Casualty Insurance Producer License #954516
This contract is delivered as a surplus line coverage under the 'Nonadmitted Insurance Act'. The insurer issuing this contract is not licensed in Colorado but is an eligible nonadmitted insurer. There is no protection under the provisions of the 'Colorado Insurance Guaranty Association Act'.
Illinois Licenses & Disclosures
Surplus Lines Broker License #22126921
Property & Casualty Insurance Producer License #3004298473
Notice to Policyholder: This contract is issued, pursuant to Section 445 of the Illinois Insurance Code, by a company not authorized and licensed to transact business in Illinois and as such is not covered by the Illinois Insurance Guaranty Fund.
For licensing inquiries, please contact us:
Email: licensing@needcushion.com
Mailing Address: Cushion Insurance Agency, LLC,
Attn: Licensing Department
390 NE 191st St, Suite 93139
Miami, FL, 33179
Phone (Toll-Free): 1-844-564-CSHN (2746)
Statutory Surplus Lines Disclaimer
SURPLUS LINES NOTICE: ALL INSURANCE PRODUCTS DESCRIBED ON OR COVERAGE PROCURED THROUGH OUR PLATFORM ARE UNDERWRITTEN IN THE NON-ADMITTED (SURPLUS LINES) INSURANCE MARKET. SURPLUS LINES POLICIES ARE NOT SUBJECT TO THE FULL REGULATORY OVERSIGHT OF STATE DEPARTMENTS OF INSURANCE.
SURPLUS LINES INSURERS DO NOT PARTICIPATE IN STATE GUARANTY FUNDS. SURPLUS LINES POLICIES ARE NOT PROTECTED OR BACKED BY ANY STATE GUARANTY FUND OR INSOLVENCY ASSOCIATION IN THE EVENT OF INSURER INSOLVENCY.
SURPLUS LINES TAXES, STAMPING FEES, AND STATUTORY ASSESSMENTS ARE DETERMINED BY THE INSURED'S RESIDENT/HOME STATE, ITEMIZED AT BIND, AND COLLECTED AS A FIDUCIARY PASS-THROUGH.
SURPLUS LINES INSURERS DO NOT PARTICIPATE IN STATE GUARANTY FUNDS. SURPLUS LINES POLICIES ARE NOT PROTECTED OR BACKED BY ANY STATE GUARANTY FUND OR INSOLVENCY ASSOCIATION IN THE EVENT OF INSURER INSOLVENCY.
SURPLUS LINES TAXES, STAMPING FEES, AND STATUTORY ASSESSMENTS ARE DETERMINED BY THE INSURED'S RESIDENT/HOME STATE, ITEMIZED AT BIND, AND COLLECTED AS A FIDUCIARY PASS-THROUGH.
Statutory Disclosures & Product Notices
Product Classification (Miscellaneous Casualty): Private Supplemental Involuntary Unemployment Insurance (PSIUI) is classified as a Property & Casualty / Miscellaneous Casualty fixed indemnity contract designed to provide supplemental financial continuity following a qualifying, no-fault involuntary job loss.
Federal Tax Treatment (IRC § 61): Indemnity benefits paid under a Cushion policy protect against an economic loss rather than a physical injury or sickness. Payouts are treated as taxable ordinary gross income pursuant to Internal Revenue Code (IRC) § 61 and IRS Revenue Ruling 70-48. Benefit disbursements exceeding $600 in a calendar year will be reported to the Internal Revenue Service via Form 1099-MISC. Cushion does not provide tax or legal advice.
ERISA Safe Harbor Affirmation: Cushion policies are individually owned, fully portable across employers, and 100% employee-paid using post-tax dollars without employer contribution or endorsement. Coverage strictly satisfies the ERISA Safe Harbor requirements under 29 CFR § 2510.3-1(j) and is exempt from federal Department of Labor oversight.
Fair Credit Reporting Act (FCRA) Notice: To evaluate insurance eligibility and verify income/tenure immutably via consumer-permissioned APIs or authorized Consumer Reporting Agencies, Cushion adheres to the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.). If an underwriting application is declined or modified based in whole or in part on CRA data, an automated Adverse Action Notice will be issued detailing consumer rights and CRA contact details.
Employer Anonymity: All underwriting verifications are executed via secure, read-only consumer-permissioned APIs. Cushion never contacts your employer’s HR department, management, or legal channels, keeping your financial planning strictly private.
Federal Tax Treatment (IRC § 61): Indemnity benefits paid under a Cushion policy protect against an economic loss rather than a physical injury or sickness. Payouts are treated as taxable ordinary gross income pursuant to Internal Revenue Code (IRC) § 61 and IRS Revenue Ruling 70-48. Benefit disbursements exceeding $600 in a calendar year will be reported to the Internal Revenue Service via Form 1099-MISC. Cushion does not provide tax or legal advice.
ERISA Safe Harbor Affirmation: Cushion policies are individually owned, fully portable across employers, and 100% employee-paid using post-tax dollars without employer contribution or endorsement. Coverage strictly satisfies the ERISA Safe Harbor requirements under 29 CFR § 2510.3-1(j) and is exempt from federal Department of Labor oversight.
Fair Credit Reporting Act (FCRA) Notice: To evaluate insurance eligibility and verify income/tenure immutably via consumer-permissioned APIs or authorized Consumer Reporting Agencies, Cushion adheres to the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.). If an underwriting application is declined or modified based in whole or in part on CRA data, an automated Adverse Action Notice will be issued detailing consumer rights and CRA contact details.
Employer Anonymity: All underwriting verifications are executed via secure, read-only consumer-permissioned APIs. Cushion never contacts your employer’s HR department, management, or legal channels, keeping your financial planning strictly private.