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The traditional role of the excess and surplus (E&S) lines industry has been to provide a market for insuring hard-to-place risks not written by the standard markets. The National Association of Professional Surplus Lines Offices outlines three basic categories of surplus lines risks: Non-standard risks that have unusual underwriting characteristics; unique risks that admitted carriers do not offer a filed policy form or rate; and capacity risks where a client seeks a higher level of coverage.

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