What is NOT included in surplus lines insurance?

Surplus lines insurance is designed for risks that are not typically underwritten by standard insurers, usually because they are deemed too high-risk or unique. It is primarily utilized for certain types of property and liability insurance that fall outside the purview of traditional insurance policies.

Life and health insurance are not considered part of surplus lines because these types of insurance are typically covered by regular insurance markets and have distinct regulatory requirements. Thus, they do not fall under the category of surplus lines, which are meant to address risks that standard insurers are unable or unwilling to cover.

In contrast, marine transportation, property, and liability insurance can often be more specialized and thus may be placed in the surplus lines market when standard markets cannot accommodate the risks associated with them. This is why life and health insurance is the correct answer as it is not included in surplus lines insurance.