Expert insights on surplus lines markets, specialty risk placement, and hard-to-place coverage.
E&S insurance costs more than the premium — surplus lines taxes and stamping fees add 2-6% to the total cost. Here's how they work and what to expect.
Many business owners use 'umbrella' and 'excess liability' interchangeably. They're not the same — and the difference matters when you have a large claim.
Federal scheduling means most standard carriers won't insure cannabis businesses. Here's how the E&S surplus lines market fills the coverage gap.
Standard property insurance has vacancy clauses that can void your coverage after 30-60 days of vacancy. Here's how E&S vacant property policies protect you.
Most businesses never hear about the E&S market until a standard carrier declines them. Here's how surplus lines insurance works and when you need it.