Coverage for the risks the standard market says no to

Explore placements by why you're here

Risks land in the surplus lines market for a handful of reasons. Filter by yours, then expand any placement type to see what the E&S market actually writes.

Showing 10 placements

• Coastal & CAT-Exposed PropertyPropertyWind, wildfire, flood, and quake-exposed buildings the admitted market has pulled back from — written with custom deductibles and CAT sublimits.
• Vacant & Distressed PropertyPropertyVacant buildings, renovation projects, and distressed assets standard carriers exclude — insured for the state they are actually in.
• Excess & Umbrella LiabilityCasualtyLimits above what any single admitted carrier will offer — stacked in layers across multiple E&S carriers up to $100M+.
• High-Hazard ConstructionCasualtyRoofers, demolition, scaffolding, crane work, and New York construction — classes most admitted casualty carriers decline outright.
• Products & Life Science LiabilityCasualtySupplements, medical devices, cannabis, chemicals, and novel consumer products — liability for products without decades of loss data.
• Distressed TransportationCasualtyNew ventures, adverse loss runs, and tough radius classes in trucking — primary auto liability when the standard market non-renews.
• Special Events & EntertainmentSpecialtyFestivals, concerts, sporting events, and venues — short-term liability for gatherings admitted carriers rarely touch.
• Distressed Professional LinesSpecialtyD&O, E&O, and EPLI for firms with claims, litigation, or financial distress — plus emerging classes like crypto and AI startups.
• Tough Habitational PropertyPropertyOlder frame apartments, subsidized housing, and student housing with claims — habitational schedules the admitted market has exited.
• Environmental & Pollution LiabilitySpecialtyContractors pollution, site-specific coverage, and tank liability — environmental exposures excluded from nearly every standard form.