Not all businesses are created equal, and none are identical. When your business is specialized or the risk of your business pursuits are more specific, we have the solution. That solution is obtaining a policy quote from a surplus lines carrier. What is a surplus line carrier you may be asking? A surplus lines carrier is a General Agency that acts as a broker to these surplus lines. Through these General Agencies, we have access to multiple carriers for multiple lines of insurance. One example would be special events coverage. This would be obtained to insure an event that is going on in your community. Other situations would be for a non-profit entity as they are offering a new car to anyone who hits a hole-in-one during their golf tournament. Another would be professional liability insurance to businesses or individuals who perform services for the public whose business involves medical or cosmetic services.