what is excess and surplus e s lines insurance 
excess and surplus e s lines insurance is basically another name for surplus lines insurance that is used by some carriers the bottom lineindividuals and businesses buy surplus lines insurance to protect themselves against financial risks that are too large or too rare for a regular insurance company to be willing to take on unlike most types of insurance surplus lines insurance can be sold by insurers that are not licensed to do business in the buyer s state they are not covered by state guaranty funds in the case of default 