How does a retail agent typically use quotes provided by surplus lines intermediaries?

Retail agents typically utilize quotes provided by surplus lines intermediaries to present various insurance options to their clients. Surplus lines intermediaries operate in the non-admitted market, offering coverage that standard insurers may not provide. When a retail agent receives these quotes, they assess the coverage, limits, exclusions, and pricing involved to inform and guide their clients in making informed decisions about the insurance products that best suit their needs.

By using the quotes, retail agents can compare different policy options, customizing their presentation to align with the specific risks or requirements of each client. This approach enables clients to understand the benefits and drawbacks of the various options available, ensuring they can select the most appropriate insurance coverage for their unique circumstances. The retail agent acts as a crucial intermediary, communicating these tailored options and helping clients navigate through complex insurance choices.