surplus lines insurance

Surplus lines insurance is a specialized form of coverage for unique or high-risk situations that regular insurers often won’t cover. It provides protection for circumstances that are outside typical insurance policies, such as unusual businesses or significant risks. Because these policies aren’t available through standard insurers, they’re purchased from state-licensed surplus lines insurers who have the expertise to handle complex or non-standard risks. While they may cost more and have different regulations, surplus lines provide an essential safety net for situations that require tailored coverage not available in the standard insurance market.