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Surplus Lines Placements Now A Necessity On Many Accounts Traditionally, the use of the excess and surplus lines markets has been placement of what insurers considered the less desirable or more risky lines of business. That definition has not changed in the new, tougher market we face today.

What has changed is many standard insurers definitions of “desirable” and “risky.” More independent agents and brokers are finding that surplus lines carriers are much more eager for their business, while standard carriers are finding reasons to avoid it.

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