We can keep blogging about how C&L can educate our agents. We want all the questions we can get to help quote those weird risks.

As a business owner, you understand that protecting your company is key to its success. You may have already invested in property insurance, liability insurance, and even product insurance. But have you considered Commercial lines and Surplus Lines Insurance?

Surplus Lines Insurance is a type of coverage that is not subject to the same regulations as traditional insurance. This means that it can be custom-tailored to your specific business needs. You can also use it to fill in gaps in your existing coverage. While Surplus Lines Insurance may cost more than traditional coverage, it is worth the investment. This type of insurance can help you protect your business from potential risks that could otherwise ruin it.

Nevertheless, Commercial lines insurance is designed to protect businesses from financial losses resulting from property damage, liability claims, and other risks. This type of insurance is available from traditional and surplus lines insurers.

While carrying insurance is not required by law in most states, it is generally considered a best practice for businesses. This is because commercial lines insurance can provide valuable protection in case of a covered loss.

Do You Need Surplus Lines Insurance?

Surplus lines insurance is a type of insurance for risks that fall outside the coverage of standard insurance policies. It’s also known as excess and surplus lines insurance, or E&S insurance. Surplus lines insurance is designed for businesses and individuals with higher-than-average risks. For example, someone who owns a home in a high-crime area or has a history of accidents might get their homeowners insurance through a surplus lines carrier.

Businesses also use surplus line carriers to insure against unusual risks, such as environmental damage or product liability. In some cases, standard carriers will not offer coverage for certain risks, so businesses have no choice but to turn to the surplus lines market.

How Much Does Surplus Lines Insurance Cost?

The cost of surplus lines insurance can vary depending on the insurer and your coverage. However, it is typically more expensive than traditional insurance. This is because surplus lines insurers are not subject to the same regulations as conventional insurers. This means they can charge higher premiums.

There are a few things to consider when deciding if surplus lines insurance is right for you. First, consider how much coverage you need. Traditional insurance may be a better option if you only need a small amount of coverage.

Surplus lines insurance can be easier to obtain coverage for certain types of risks. For example, standard insurers may be unwilling to provide coverage for certain types of high-risk businesses, but surplus lines insurers may be willing to provide this coverage.

When Do You Need Surplus Lines Insurance?

There are a few different circumstances in which you may need to purchase surplus lines insurance, and knowing when to do so can help you save money and get the coverage you need. 

If you have been declined for coverage by two or more standard carriers, you may be able to get coverage through a surplus lines carrier. This is because surplus lines insurers are not subject to the same rules and regulations as standard carriers, which means they may be willing to provide coverage for risks that standard insurers are not.

Commercial Lines Insurance; Do I Need It?

If you have a business, you need commercial lines insurance. This insurance protects your business from liability if someone is injured on your property or by one of your products. It also covers any damage that may occur to your business property. Commercial lines insurance is essential for any business owner, and it is crucial to understand what it covers and how it can benefit you.

The cost of commercial lines insurance will vary depending on the size and type of business, the coverage needed, and the location of the company. For example, a small business in a low-risk area may pay as little as $500 per year for commercial lines insurance, while a large business in a high-risk area may pay $50,000 or more per year.

There are many types of commercial lines insurance, and the best way to determine which is right for your business is to speak with an insurance agent or broker. To get commercial lines insurance, you will need to provide basic information about your business, including the type of business, the location, and the number of employees. You will also need to decide on the amount of coverage you need and the deductible you are willing to pay.

While commercial lines insurance can be a vital form of protection for businesses, it can also be disadvantageous in some ways. One downside is that premiums can be expensive, especially for companies that are considered high-risk. Another potential negative is that coverage can be complex and challenging to understand, making it hard to know what exactly is covered and what isn’t. And finally, claims can take a long time to process, which can be frustrating for business owners dealing with an incident’s aftermath.


Commercial lines insurance and surplus lines insurance are two different types of insurance that serve different purposes. Commercial lines insurance is regulated by state governments and typically covers standard risks, while surplus lines insurance is unregulated and typically covers unusual or high-risk exposures. Work with your insurance agent to determine which type of coverage is right for your business.

If you have any questions or need a quote for a surplus line but you’re not sure where to start, we’re here for you. Instead of waiting weeks for a simple quote, we’ll get one to you in a matter of hours. And we’ll get you all the coverage you need without adding anything you don’t.

Request your free quote here.