Insurance term
Surplus Lines
Surplus lines (or non-admitted) insurance comes from carriers that aren't licensed in Utah but can legally cover risks that standard insurers won't. They fill gaps for unusual, high-risk, or hard-to-place coverage. These policies aren't backed by the state guaranty fund, so the carrier's financial strength matters more.
Why it matters
If your business or property is hard to insure, surplus lines may be the only way to get covered — your agent helps vet the carrier.