Get coverage for hard-to-place risks with national & regional specialty carriers and partners

Direct Appointments with Excess & Surplus Markets for Independent Insurance Agents

Smart Choice Express Markets^TM offers independent insurance agencies access to a broad portfolio of excess & surplus (E&S) carriers. Insurance agencies do not pay any fees to participate in Express Markets and a full 100% commission is paid directly to your agency by the carriers.

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Common Hard-to-Place Risks

Artisan & Specialty Classes

Automotive

Property & Home

Hospitality

Healthcare

Agriculture & Farming

Environmental

Technology

Recreation & Leisure

Natural Disaster

Retail

Education

Construction

Specialty

Personal

Transportation

Professional

See all Hard-to-Place Risks

Immediate Appointment with Excess & Surplus Carriers and Partners

NBIC is a large coastal insurance carrier

Find carriers in your state

Tips on How to Write for Excess & Surplus Markets

Why Traditional Insurers Are Acquiring E&S Companies: A Growing Trend in the Insurance Industry

Traditional insurers are increasingly acquiring Excess & Surplus (E&S) companies to expand their portfolios, enhance profitability, and access niche markets. Explore the key drivers behind this growing trend and its impact on the insurance industry.
- Read more about Why Traditional Insurers Are Acquiring E&S Companies: A Growing Trend in the Insurance Industry
Flood Insurance Matters

Floods can strike anywhere, even outside designated high-risk areas, making proactive education and tailored coverage discussions essential for safeguarding clients and strengthening agency trust.
- Read more about Flood Insurance Matters
Evolving Risks: From Standard Coverage to the E&S Market

Surplus lines insurers are the agile architects of today’s market, crafting tailored solutions to protect businesses from the unpredictable risks that challenge traditional coverage.
- Read more about Evolving Risks: From Standard Coverage to the E&S Market
Digital Underwriting: The Future of Surety Bonds

Surety bonds are risk management tools that help guarantee that contractual obligations will be fulfilled, consisting of three separate parties: the principal, the obligee, and the surety.
- Read more about Digital Underwriting: The Future of Surety Bonds

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