The Insurance Shop is a full-service independent agency with national expertise, markets, and specialty programs for excess and surplus lines insurance.  Our agency services retail customers and insurance brokers for surplus lines placement.  We are a national leader in surplus lines and have programs and markets for most surplus lines of coverage.

Excess and Surplus Lines Insurance: 

Surplus lines carriers, by definition, are not licensed as admitted markets within a state that they transact business.  Surplus lines carriers are, however, eligible to provide insurance on property and liability within a state through specially licensed agents or brokers known as surplus lines agents/brokers.

When there are no admitted carriers within a state willing to underwrite a risk, agents are permitted by state law to obtain coverage via a surplus lines insurance company.  Surplus lines transactions are regulated by the state and are required to meet financial and other eligibility requirements set by the state in order to transact insurance business.

Please choose a link below to help us better serve your needs and interest regarding Surplus Lines Insurance: