{"id":671,"date":"2025-01-21T16:45:55","date_gmt":"2025-01-21T16:45:55","guid":{"rendered":"https:\/\/www.insurancestudy.com\/blog\/?p=671"},"modified":"2025-04-25T21:10:29","modified_gmt":"2025-04-25T21:10:29","slug":"what-is-a-surplus-line","status":"publish","type":"post","link":"https:\/\/www.insurancestudy.com\/blog\/2025\/what-is-a-surplus-line\/","title":{"rendered":"What Is A Surplus Line?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A surplus line of insurance can ensure that people and businesses can be covered for unique or high-risk events. Surplus lines often require specialized underwriting that standard insurers are unwilling or unable to cover.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Key features of surplus lines include:<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Non-Admitted Insurers<\/strong>: Surplus lines insurers are not licensed in the state where the policy is sold but are authorized to provide insurance under the surplus lines market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Specialized Coverage<\/strong>: These include high-risk or unusual situations within niche professional industries, high-value properties in disaster-prone areas or specialized events like a travelling carnival.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Flexibility<\/strong>: Surplus lines allow you to cover specific events or situations that you aren\u2019t bound to long-term. They also allow you to tailor your plan to specific risks and not pay for coverage not needed in a blanket plan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Regulatory Oversight<\/strong>: Non-admitted insurers do not follow states for regulations or rates but are subject to oversight by the state\u2019s surplus lines office and must meet financial solvency requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Taxes and Fees<\/strong>: Policies sold through surplus lines can incur additional taxes and fees which are then passed onto the state.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stay tuned as we look to add more surplus lines insurance continuing education to our catalog in 2025!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"186\" src=\"https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-1024x186.png\" alt=\"\" class=\"wp-image-645\" srcset=\"https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-1024x186.png 1024w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-300x55.png 300w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-150x27.png 150w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-768x140.png 768w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-1536x280.png 1536w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-2048x373.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/insurancestudy.com\">InsuranceStudy<\/a> has been providing continuing education for Insurance Professionals and Certified Financial Planners for more than 20 years. Our insurance experts are dedicated to bringing you convenient, affordable, and compliant courses. Follow us on <a href=\"https:\/\/www.facebook.com\/InsuranceStudy\">Facebook<\/a>, <a href=\"https:\/\/www.instagram.com\/insurancestudy_com\/\">Instagram<\/a> or <a href=\"https:\/\/www.linkedin.com\/company\/insurancestudy.com\">LinkedIn<\/a> for more updates.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A surplus line of insurance can ensure that people and businesses can be covered for unique or high-risk events. Surplus lines often require specialized underwriting that standard insurers are unwilling or unable to cover. Key features of surplus lines include:&#8230;<span class=\"read-more\"><a href=\"https:\/\/www.insurancestudy.com\/blog\/2025\/what-is-a-surplus-line\/\">Continue Reading &rarr;<\/a><\/span><\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[160],"tags":[131,32,130,89,64,63,132,129,128,127,133],"class_list":["post-671","post","type-post","status-publish","format-standard","hentry","category-surplus-lines","tag-agent","tag-continuing-education","tag-coverage","tag-flexibility","tag-insurance","tag-policies","tag-producer","tag-regulatory-oversight","tag-specialized-coverage","tag-surplus-lines","tag-underwriting"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is A Surplus Line? - InsuranceStudy<\/title>\n<meta name=\"description\" content=\"Surplus lines of insurance offer coverage for unique or high-risk events when traditional insurers cannot accommodate their needs\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancestudy.com\/blog\/2025\/what-is-a-surplus-line\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is A Surplus Line? 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