The research underscores the idea that retailers and insurance buyers should leverage a wholesale specialist to find the right solution for their complex risks.

To borrow words from one surplus lines thought leader: 'There are many possibilities before us in a dynamic and challenging market.'

Among other things, the WSIA Education Foundation supports five annual symposiums for risk management and insurance students and faculty.

Surplus lines provide coverage for enterprises that come with higher risks, such as tourism and entertainment, construction, research and innovation.