DMOZ Internet Directory : Business : Financial_Services : Insurance : Wholesale_and_Distribution : Excess_and

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Excess and surplus (or "surplus lines") insurance covers hard to place risks which are not written by the standard markets. There are three categories: Non-standard risks - have unusual underwriting characteristics
Unique risks - admitted carriers do not offer a filed form or rate
Capacity risks - client seeks an abnormally high level of coverage (summarized from a description at the NAPSLO site) In the United Kingdom and possibly other countries, the word bespoke is used to denote such tailored insurance products.

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Jackson Sumner and Associates (JSA) - An excess and specialty lines MGA which began in 1981 in Boone, North Carolina, USA. Offers a wide range of products including property, casualty, automobile, garage, and professional. Surplus Line Managers, Inc. - Managing general agency for surplus and excess insurance in New England region of the USA. Coverages include umbrella, in-home business, motorcycle, watercraft, mobile homes and vacant dwelling. XS Brokers Insurance Agency, Inc. - A dedicated wholesale insurance agency offering products to independent agents in the New England states of the USA. Products include specialty and excess and surplus lines. Valley Insurance Associates - Offers California agents and brokers access to surplus lines as well as information and resources. CRC Insurance Services, Inc. - Commercial insurance wholesale broker offering coverages in the areas of property, casualty, and professional. National firm with offices in many areas the USA. Clearwater Underwriters, Inc. - Provider of surplus lines products. Specializing in excess flood and wind, homeowners, commercial property, and liability insurance.

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