Which of the following is an outcome that surplus lines insurance aims to achieve?

Surplus lines insurance primarily aims to provide coverage when traditional or admitted insurance options are unavailable or insufficient to meet the needs of the insured. Insurers within the surplus lines segment can offer specialized policies that go beyond what is generally available in the admitted market. This is particularly beneficial for unique or high-risk situations—such as niche industries or extraordinary property coverage—where standard insurers might be unwilling or unable to provide coverage.

The non-admitted nature of these policies means they are not regulated in the same way as admitted policies, allowing for greater flexibility in terms of terms, conditions, and pricing. Therefore, option B correctly identifies a key function of surplus lines insurance, which is to bridge the gap when conventional insurance is lacking, thereby ensuring that consumers can still obtain the necessary protection for their specific risks.

Other aspects, such as completely eliminating underwriting risks, maximizing profit margins, or standardizing insurance premiums across states, do not align with the fundamental principles or objectives of surplus lines insurance. This market is intended to respond effectively to gaps in coverage rather than standardize or profit excessively in a competitive landscape.