Any type of coverage that cannot be placed with an insurer admitted to do business in a certain jurisdiction. Risks placed in E&S lines markets are often substandard as respects adverse loss experience, unusual, or unable to be placed in conventional markets due to a shortage of capacity, and excessive risk.

  • Example: A motorcycle racing event, open to the public would be an excessive risk for the spectators.  This type of insurance is not typical, and is considered an E&S line of insurance.


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