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Top: Business: Financial_Services: Insurance: Wholesale_and_Distribution: Excess_and_Surplus

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.

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