When Standard Markets Say No — We Say Yes
Placing hard-to-place risks with A-rated surplus lines carriers since 2004. Excess liability, vacant property, specialty contractors, cannabis, and more — licensed in all 50 states.
What Are Excess & Surplus Lines?
The E&S market is the "market of last resort" for risks that standard admitted carriers won't cover. Surplus lines carriers operate under different regulatory frameworks, giving them the flexibility to insure unusual, complex, or high-risk exposures at competitive rates.
As a licensed surplus lines broker, we have direct access to Lloyd's of London and dozens of domestic E&S carriers — allowing us to craft coverage solutions that simply don't exist in the standard market.
You Need E&S If:
- Your business was declined by a standard admitted carrier
- Your exposure is too large or unusual for standard markets
- You operate in a high-risk industry or location
- You need a manuscript or custom policy form
- Your claims history makes admitted placement impossible
- You need coverage that doesn't exist in standard markets
Our Specialty Lines
We place coverage across the full spectrum of hard-to-place risks. If it's unusual, complex, or high-risk — it's our specialty.
Excess Liability Insurance
Umbrella and excess liability limits for businesses with exposures that exhaust primary coverage.
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Hard-to-Place Risks
We specialize in finding markets for businesses declined by admitted carriers — no risk too complex.
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Vacant Property Insurance
Vacant buildings, unoccupied structures, and properties in transition — we cover them.
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Specialty Contractors
Contractors with elevated risk profiles including demolition, blasting, and structural work.
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Special Events Insurance
One-day to multi-week events, festivals, concerts, and large gatherings.
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High-Value Property
Fine art, collectibles, luxury homes, and high-value commercial properties.
Learn MoreHow the E&S Process Works
Unlike standard insurance, E&S placement requires a surplus lines broker. Here's our process.
Risk Assessment
Tell us about your business, exposures, and why standard markets have declined or are unsuitable.
Market Search
We shop your risk to our network of surplus lines carriers and Lloyd's syndicates for competitive quotes.
Quote Presentation
We present the best options with clear coverage analysis and explain the surplus lines filing requirements.
Bind Coverage
You select your policy, we bind coverage and file the required surplus lines affidavit with your state.
Why Choose E&S Insurance Specialists?
We are a division of Contractors Choice Agency — an independent insurance agency with over 20 years of experience placing specialty and hard-to-place risks. Our surplus lines brokers hold licenses in all 50 states and have direct appointments with the nation's top non-admitted carriers.
Declined by Standard Markets? Let's Talk.
Submit a risk online or call our E&S specialists directly. We respond within one business day.