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

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.

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

American Modern

Quote, Bind and Issue Small Commercial Policies in Minutes

National General Insurance

Velocity

Find carriers in your state

Tips on How to Write for Excess & Surplus Markets

Insurance for Identity Theft?

The Federal Trade Commission reports that identity theft tops its list of complaints by consumers nationwide.
- Read more about Insurance for Identity Theft?
The Essential Role of the E&S Market vs. Perception

A large number of agents tend to think that E&S lines markets are only used for those one-off type risks or poor/high risk business.
- Read more about The Essential Role of the E&S Market vs. Perception
What is the difference between an Admitted vs. Non-Admitted carrier?

Deciding whether to choose an admitted vs.
- Read more about What is the difference between an Admitted vs. Non-Admitted carrier?
E&S Submissions: Why blocking/flooding the market is NOT productive!

Utilizing multiple wholesalers to quote E&S risks does not typically increase your chances of writing it.
- Read more about E&S Submissions: Why blocking/flooding the market is NOT productive!

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