How many days does the commissioner have to grant or deny a request to add or remove coverage from the list of unavailable lines?

In Michigan, the insurance commissioner is required to act on a request to add or remove coverage from the list of unavailable lines within a specified timeframe. The correct answer is 30 days because this period allows the commissioner to review the request thoroughly and make an informed decision regarding the addition or removal of coverage that may not be readily available in the standard market. This timeframe is designed to ensure there is an efficient process in place for policyholders and insurers who rely on surplus lines to meet their coverage needs. Understanding that the insurance commissioner has this 30-day window helps identify the regulatory framework within which surplus lines operate in Michigan.