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.

Clearwater Underwriters, Inc.
Provider of surplus lines products. Specializing in excess flood and wind, homeowners, commercial property, and liability insurance.
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.
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.
Valley Insurance Associates
Offers California agents and brokers access to surplus lines as well as information and resources.
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.
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June 14, 2016 at 0:25:53 UTC
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