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In Property Insurance in particular there is something called the Excess and Surplus Lines Market. When the normal market is not available such as because insured is overseas or too many prior claims etc. There is an opportunity to shop through most independent agents for an Excess and Surplus Lines policy. Be aware of a couple things: The policy language may be specifically drafted and limit the coverage you are seeking. Forms and rates are based on the insurers judgement and are not filed with the various insurance departments. You will find that the need for coverage is readily filled, but the price may be a great deal more than you are expecting . Also there are often minimum earned premium requirements meaning that if you buy such a policy, you may then find a better deal and think about switching . The minimum earned premium requirement may give you reason to ride out the term.Call us we have contracts with Excess and Surplus lines carriers. Just because placing your coverage may be a bit more difficult, it does not mean it can't be done. 
Posted 11:18 AM  View Comments

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