Michael Warren is also a licensed surplus lines agent in Florida. This market provides property and casualty insurance coverage to those businesses that the admitted or standard insurance market is unable or unwilling to provide. It could be an unusual risk or something normal that falls outside normal underwriting guidelines of the admitted market. The surplus lines market is important for providing coverage for distressed, unique, or risks requiring high limits of insurance that are unable to find insurance coverage in the admitted market. Aviation, ocean marine and motor truck cargo are examples of coverage types where surplus lines may be applicable.