Insurance Programs

Surplus Lines Insurance

Insurance coverage provided by non-admitted insurers for risks that cannot be placed with standard admitted carriers.

Surplus lines insurers provide coverage for unique or high-risk properties that standard insurers won't cover. They offer more flexibility but aren't covered by state guaranty funds.

Related Terms

High-Risk Property

Properties that insurance companies consider more likely to experience losses due to location, condition, or other risk factors.

FAIR Plan

State-sponsored insurance programs that provide basic property insurance when coverage is not available in the private market.

Need Help with Your Insurance?

Our network of specialists can help you understand your coverage options and find the right protection for your high-risk property.