Excess and surplus (or "surplus lines") insurance covers hard to place risks which are not written by the standard markets. There are three categories:
Non-standard risks - have unusual underwriting characteristics
Unique risks - admitted carriers do not offer a filed form or rate
Capacity risks - client seeks an abnormally high level of coverage
(summarized from a description at the NAPSLO site) In the United Kingdom and possibly other countries, the word bespoke is used to denote such tailored insurance products.
Sites 6
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- Jackson Sumner and Associates (JSA) An excess and specialty lines MGA which began in 1981 in Boone, North Carolina, USA. Offers a wide range of products including property, casualty, automobile, garage, and professional.
- Surplus Line Managers, Inc. Managing general agency for surplus and excess insurance in New England region of the USA. Coverages include umbrella, in-home business, motorcycle, watercraft, mobile homes and vacant dwelling.
- XS Brokers Insurance Agency, Inc. A dedicated wholesale insurance agency offering products to independent agents in the New England states of the USA. Products include specialty and excess and surplus lines.
- Valley Insurance Associates Offers California agents and brokers access to surplus lines as well as information and resources.
- CRC Insurance Services, Inc. Commercial insurance wholesale broker offering coverages in the areas of property, casualty, and professional. National firm with offices in many areas the USA.
- Clearwater Underwriters, Inc. Provider of surplus lines products. Specializing in excess flood and wind, homeowners, commercial property, and liability insurance.