Surplus Lines, aka “Non-Admitted or Excess & Surplus Lines — E&S” insurance is typically used for perils or locations difficult to place in the traditional (Admitted) market.  Surplus Lines carriers do not file rates or forms with the state department of insurance. They are required to meet financial criteria to be authorized for business in a state.  Surplus Lines carriers are not backed by state guaranty funds.  A licensed surplus lines producer is responsible for certain surplus lines taxes and/or fees, which are usually passed on to the buyer.  All iDemand policies use Non-Admitted insurance carriers.