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Wholesaler (Surplus Lines Broker)

🌍 Industry

A middle-market broker who helps retail agents place hard risks with surplus-lines carriers. The specialist’s specialist.

🎓 Agent note Retail agents access most E&S markets through a wholesaler. Build two or three good ones — they’re your lifeline for weird risks.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

Reinsurance Treaty Ceding Captive Insurer Self-Insurance Risk Retention Group (RRG) Managing General Agent (MGA) Retail Agent

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