Surplus Lines information
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$33.5K - $44.3K
8% of jobs
$48.9K is the 25th percentile. Wages below this are outliers.
$44.3K - $55K
41% of jobs
The median wage is $55.6K / yr.
$55K - $65.8K
30% of jobs
$65.8K - $76.6K
11% of jobs
$76.6K - $87.4K
4% of jobs
$87.4K - $98.1K
1% of jobs
$98.1K - $108.9K
1% of jobs
$108.9K - $119.7K
1% of jobs
$119.7K - $130.5K
1% of jobs
$130.5K - $141.2K
0% of jobs
$141.2K - $152K
2% of jobs
How much do surplus lines jobs pay per year?
As of Aug 15, 2026, the average yearly pay for surplus lines in the United States is $66,771.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,500.00 and $67,500.00 per year, depending on experience, location, and employer.
Surplus lines insurance refers to coverage provided by insurers that are not licensed in the insured's state but are legally eligible to provide insurance when standard carriers will not. These policies are used for unique, high-risk, or hard-to-place risks that admitted insurers typically avoid. Surplus lines insurers offer flexibility in coverage and pricing, but the policies are not backed by state guaranty funds. Buyers often work with specially licensed surplus lines brokers to access these markets.
To thrive as a Surplus Lines Insurance Broker, you need a deep understanding of insurance markets, risk assessment, and regulatory compliance, typically supported by a state-issued Surplus Lines license. Familiarity with industry software such as policy management systems and knowledge of E&S (Excess and Surplus) lines regulations are essential. Strong negotiation, relationship-building, and problem-solving skills help brokers connect clients with specialized coverage and navigate complex placements. These skills ensure the broker can effectively serve clients with unique risks while adhering to legal and market standards.
Surplus lines professionals often encounter challenges related to the complexity of regulations, rapidly changing market conditions, and the need to place unconventional or high-risk coverage. Staying current with state-specific compliance requirements and maintaining strong relationships with both clients and underwriters are key strategies to address these challenges. Regular training and leveraging technology for compliance tracking can also help streamline processes and reduce errors. Collaboration within the surplus lines team and with external partners is essential to find creative solutions for unique client needs.
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What states have the most Surplus Lines jobs?
States with the most job openings for Surplus Lines jobs include:
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