How many authorized insurers must coverage be readily available for?

In Michigan, for an insurance policy to be considered for surplus lines coverage, it must be demonstrated that the coverage is not readily available through at least three authorized insurers. This requirement is in place to ensure that surplus lines are used appropriately, meaning that if a product can be obtained from standard, authorized insurance carriers, it should not be placed in the surplus lines market, which is typically associated with more specialized or higher-risk coverage that may not be available in the standard market. Thus, the correct answer of three reflects this regulatory intent, ensuring that consumers have access to multiple standard options before resorting to surplus lines coverage.