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General

Non-Standard Market

The non-standard market consists of carriers that write higher-risk drivers, properties with prior claims, or unusual situations the standard market declines. Premiums are higher until the underlying risk profile improves.

Carriers that write higher-risk drivers, prior-claim properties, or unusual situations the standard market declines. Example: after a serious driving violation or two homeowners claims in three years, the standard market may decline. Specialty carriers will write at higher premiums until the record clears.