Surplus lines access

Surplus lines markets and programs, in one place

Finding the market is the slow part of placing a difficult risk. This is the shortcut.

What makes a submission get quoted

Most declines are incomplete submissions, not bad risks.

Five years of currently valued loss runs
Completed applications, not summaries
The class of business stated precisely, including any subcontracted work
Any contract insurance requirements the insured has to satisfy
Photos of the premises or the operations where relevant

Surplus lines questions

What is the difference between admitted and surplus lines?

Admitted carriers are state-licensed and backed by a guaranty fund. Surplus lines carriers are not, which is why they can write risks the admitted market will not.

Do surplus lines policies have different rules?

Yes. Premium taxes are usually paid by the insured, and the policy may have different cancellation and nonrenewal provisions.

How long does a surplus lines quote take?

For a complete submission, usually one to three days. Incomplete submissions can take much longer than the quote itself would have.

How a submission moves

You send the application, loss runs and requirements.
We confirm which programs have appetite for the class and state.
The submission goes to the markets that will actually look at it.
Quotes come back with terms, and binding happens where authority applies.

What is available

Surplus lines markets

Carriers for classes the admitted market declines or restricts.

Programs with delegated authority

Niche programs where the underwriter can commit without a referral.

Submission support

We help package the submission so it gets quoted instead of declined.

Binding authority

Where we hold it, we can bind and issue documents immediately.

Submit a risk

Send the class, the state and the loss history and we will tell you where it can be placed.