There is growing interest in excess and surplus (E&S), or non-admitted, lines of business (LOBs) in the U.S. insurance market. What was once only worthy of handling niche products catering to complex, perilous, and unconventional situations, is becoming a mainstream solution for businesses and individuals.

This rise in the popularity of E&S insurance also reflects broader shifts as insurers and managing general agents (MGAs) adapt to an environment increasingly shaped by natural disasters, emerging risks, and regulatory challenges.

Today, E&S insurance is no longer a niche; it’s a critical component of a modern, responsive insurance ecosystem. The slideshow above illustrates trends that will continue to shape the E&S insurance market in 2025.

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