Understanding Excess & Surplus (E&S) Lines for Contractors’ General Liability Policies: What Agents Need to Know

Navigating the world of insurance for contractors often brings agents face-to-face with the complexities of Excess & Surplus (E&S) lines. As a tool designed to provide coverage where standard markets won’t, E&S lines can be a vital part of the toolkit when helping contractors secure appropriate General Liability (GL) coverage. But what exactly does this mean for you and your clients? Let’s break it down.