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excess and surplus (E&S) lines insurance

Excess and surplus (E&S) lines insurance is any type of coverage that cannot be placed with an insurer admitted to do business in a certain jurisdiction.

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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. Captives sometimes qualify as E&S companies. Hefty local premium taxes are payable by the broker.