{"id":352609,"date":"2017-06-05T14:02:27","date_gmt":"2017-06-05T19:02:27","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/insurance\/surplus-line-insurance.html"},"modified":"2024-04-28T01:05:06","modified_gmt":"2024-04-28T06:05:06","slug":"surplus-line-insurance","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/insurance\/surplus-line-insurance.html","title":{"rendered":"Surplus Lines Insurance"},"content":{"rendered":"\n
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Surplus Lines Insurance<\/h1>\n
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\n By Oni Harton, J.D.<\/a> | Legally reviewed by Melissa Bender, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

There are many types of insurance<\/a> products available today. Insurance offers policyholders protection from many risks inherent in our society. Some activities are so risky or new that most insurance companies won’t cover them. However, there are other options for coverage \u2014 namely, the surplus lines market. Read on to learn more about surplus lines insurance.<\/p>\r\n

What Is Surplus Lines Insurance?<\/h2>\r\n

Surplus lines insurance is a type of property and casualty insurance. Surplus lines insure risks conventional brokers in the insurance industry will not underwrite. Such coverage is generally unavailable under standard policies. The conventional insurance markets consider the unknown or high risks too costly to insure.<\/p>\r\n

Surplus lines carriers provide insurance coverage. A well-known insurer providing surplus line coverage is Lloyds of London. It’s a U.K.-based insurer issuing surplus lines policies to U.S. consumers.<\/p>\r\n

Examples of Surplus Lines Coverage<\/h2>\r\n

The types of situations covered by surplus lines insurance include:<\/p>\r\n