Commercial

What is excess and surplus lines (E&S) insurance and when is it needed?

Excess and surplus lines (E&S) insurance covers risks the standard admitted market will not write -- unusual property, high-hazard operations, businesses with poor loss history, or new industries. E&S carriers are non-admitted but legally authorized in most states. They have more pricing and form flexibility but are not backed by state guaranty funds. For businesses the standard market declines -- certain contractors, vacant properties, hospitality with liquor liability -- E&S markets are often the only option.

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What is excess and surplus lines (E&S) insurance and when is it needed?

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