Surplus Line Brokers for Specialty Coverage

Surplus line brokers help businesses and individuals secure coverage when traditional insurance markets cannot meet their needs. They connect clients with non-admitted insurers that specialize in high-risk industries, unusual exposures, or hard-to-place insurance. Surplus lines provide flexibility when admitted carriers decline coverage. Read more

Surplus line Broker List in United States

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Surplus line Broker FAQs

What is a surplus line broker?

A licensed broker who connects clients to non-admitted insurers for risks not covered by standard markets

When would I need a surplus line broker?

If your property, business, or liability risk is too unique or high for standard carriers, a surplus line broker can help.

Is surplus lines insurance safe?

Yes; though not backed by state guarantee funds, surplus lines insurers are financially vetted and regulated.

What types of risks need surplus lines insurance?

Examples include vacant properties, emerging industries, coastal homes, or businesses with high claims history.

Do I pay more for surplus line coverage?

Premiums may be higher due to specialized risks, but they provide coverage that otherwise may not be available.