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.

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.

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.

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.

Insurtech is revolutionizing the Excess & Surplus (E&S) insurance market by streamlining underwriting, enhancing data analysis, and empowering independent agents with digital tools to improve efficiency, customer service, and access to new market opportunities.

As commercial lines agents navigate the shifting landscape toward Excess & Surplus lines, mastering the nuances of E&S packages versus traditional BOPs will empower them to expertly guide their clients through these complex transitions and seize new business opportunities.

Confused by the myriad of terms like E&S, Excess & Surplus, and Specialty Markets? While the names may vary, understanding this crucial insurance segment can empower you to cover your customers’ unique risks, especially in today’s challenging market. How can specialized insurers can offer coverage where standard options fall short?

Smart Choice's proactive expansion of the Express Markets division has not only enabled independent agents to thrive in a challenging hard market but also underscores the importance of adaptability and diversification in navigating the evolving insurance landscape.

Over the last several years, there has been an increase in damages due to weather-related events. As we are currently in the middle of hurricane season, now is the time to review coverage on things like flood, earthquake, wind events, fires, and more.