Which scenario is most suited for surplus lines insurance?

Surplus lines insurance is designed for risks that are not easily insurable by standard insurance providers due to their unique or higher risk nature. In this scenario, Lisa’s need for professional liability insurance for her clinic often falls into this category, especially if her practice involves specialized services that are not typically covered by standard professional liability policies.

Surplus lines insurance can cater to more complex or unusual medical practices, providing coverage options that may not otherwise be available in the traditional market. This flexibility is essential for professionals like Lisa, who may face unique liability exposures associated with the specific services they offer.

In contrast, the other scenarios present more straightforward insurance needs that are typically addressed by standard insurance providers. For instance, personal items like a camping trailer or a fishing boat generally fit well within the standard market offerings, as do residential property needs such as homeowner's insurance. These types of insurance products are widely available and often easier to underwrite compared to specialized professional liability policies.