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Eligibility & Enrollment

Review eligibility criteria, automated payroll verification, and requirements for securing coverage.

9 articles
Who is Eligible for Cushion?Individual & Employer Requirements
Is Cushion Available in My State?
Ineligible Roles & Company Exclusions
How Employment is Verified & Why Do I Need to Connect My Payroll Account?Payroll API & Data Security
What to Do if Your Payroll Connection FailsDocument Upload Fallback
Does Cushion Contact My Employer or HR?
Understanding Your Pre-Bind Warranties & Representations
What if My Employer Recently Announced Layoffs or a WARN Notice?
What is Surplus Lines and Why is Cushion a Surplus Lines Product?
Cushion Help Center

Surplus lines policies through the non-admitted market are not subject to the full regulatory oversight of the state departments on insurance as admitted policies and are not protected by any State Guaranty Funds or Insolvency Association. In the event of insurer insolvency, losses will not be paid by a state guaranty fund.
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All policies are procured by Cushion Insurance Agency, LLC (Resident CA Surplus Lines License #6019626 and non-resident surplus lines broker licenses across operational states. View full Licenses & Disclosures. All policies are underwritten on a non-admitted basis by surplus lines insurance carriers and are subject to surplus lines taxes and stamping fees. Program administration and delegated underwriting management are executed by Cushion Insurance Agency, LLC.
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Coverage options, limits, waiting periods, and policy availability vary by jurisdiction and are subject to underwriting approval and individual policy declarations.

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