You only need a surplus lines license if you are handling the taxes. Usually - a wholesaler or mga is handling this and collecting the premiums on behalf of the insurance companies. And it’s a license you just pay to add on. Once you get your p and c - you just pay extra money to attach on surplus in most states. I was a wholesale broker from 09-2018 working with agencies across from 23 states focusing on contractors and truckers. Helped state up several wholesalers and currently help provide virtual assistants to insurance agencies and law firms thru my bpo company. Wish you best of luck. If you think there’s anything I can help you wish feel free to message and we can chat.