Surplus Line Managers, Inc. is New England’s premier Managing General Agency (MGA) focused on excess, surplus, and specialty insurance programs. With deep regional roots and decades of underwriting experience, we help independent agents and brokers place difficult or unusual risks that fall outside the standard market. Whether you need coverage for hard-to-place commercial accounts or niche classes, our underwriting team delivers practical, market-driven solutions.
As a Certified Managing General Agency (CMGA), we are licensed, insured, and capitalized to serve agents throughout the six New England states. We are active members of the American Association of Managing General Agents (AAMGA) and the National Association of Professional Surplus Lines Offices (NAPSLO), underscoring our commitment to professionalism, compliance, and broad market access.
Ideal Accounts and Appetite
Our program targets risks that are unconventional, high-hazard, or underserved by standard carriers. We underwrite a wide range of industries and classes, including:
- Contractors and artisan trades (including renovation and specialty contracting)
- Special events, entertainment, and festivals
- Vacant buildings and properties undergoing renovation
- Bars, taverns, restaurants, and other hospitality risks
- Light to mid-sized manufacturing and distribution operations
- Professional liability for niche service providers and consultants
If a client has been declined or non-renewed by the standard market, our program is designed to be one of the first E&S options you try.
Coverage Highlights and Advantages
Surplus Line Managers places business with a number of top-tier excess and surplus carriers, giving you access to flexible policy terms and creative underwriting solutions. Depending on the risk and the state, we can pursue both admitted and non-admitted options to find the best combination of coverage and cost.
- General liability and property coverage for non-standard and high-exposure accounts
- Excess liability and umbrella layers
- Professional and miscellaneous errors & omissions (E&O) for specialty providers
- Liquor liability and special event liability
Every submission is reviewed by an experienced underwriter who understands E&S placement nuances in New England and can structure terms that address real exposures while keeping you competitive.
Underwriting Notes and Minimum Premiums
We evaluate each account on its individual merits with disciplined underwriting and prompt decision-making. Minimum premiums vary by class and carrier; we review accounts of varied sizes and will often consider creative structures for strong risks. Provide complete loss history and clear descriptions of operations to expedite quoting and placement.
Territories and Availability
We serve licensed agents and brokers across all six New England states: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Our local regulatory experience helps ensure appropriate documentation and compliant placements in each state.
Why Work With Surplus Line Managers, Inc.?
Partnering with Surplus Line Managers gives you a team that knows the New England insurance landscape and how to place problem risks efficiently. Our strengths include deep regional underwriting expertise, strong carrier relationships in the E&S market, and a hands-on approach to finding practical solutions. We act as an extension of your agency—helping you retain business that would otherwise be hard to place.
Example fits you might present: a general contractor with renovation work and prior claims that needs tailored GL and excess limits; a popular local bar with special-event exposures seeking liquor liability and property coverage; or a small manufacturer with unique products that standard carriers decline.
Call us today to learn how we can help with your next challenging placement.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We specialize in hard-to-place risks such as contractors, vacant properties, special events, and hospitality-related businesses that may not qualify for standard coverage.
Which states can I access this program in?
This program is available to licensed agents and brokers in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.
Do you offer both admitted and non-admitted options?
Yes. Depending on the risk and state, we have access to both admitted and non-admitted markets through our carrier partners.
Is there a minimum premium requirement?
Minimums vary by class and carrier, but we review accounts of all sizes and aim to be flexible for well-documented risks.
How quickly can I get a quote?
Turnaround depends on complexity and completeness of submission materials. Provide current loss runs and detailed operation descriptions for faster responses; our underwriting team prioritizes timely feedback.
Need help placing an account? Connect with a market specialist.