What is defined as a prohibited practice where an agent requests another agent to file surplus lines on their behalf?

The term that describes the practice where an agent requests another agent to file surplus lines on their behalf is referred to as "Courtesy Filing." This practice is often considered prohibited because it can lead to potential ethical issues and misrepresentation regarding the duties and responsibilities of agents involved in the transaction.

In surplus lines insurance, the laws are designed to ensure that agents are not circumventing regulations by delegating their responsibilities to another agent without proper oversight or authority. This ensures that all surplus lines filings conform to the legal requirements established in the state, maintaining the integrity of the insurance market.

While the other terms mentioned may relate to various legal or ethical concepts in insurance, they do not specifically capture the essence of the act of one agent filing on behalf of another as described in this situation. The concept of courtesy filing directly highlights the concern over improper delegations and maintains the accountability of licensed agents in surplus lines transactions.