Which of the following would not typically fall under surplus lines coverage?

Surplus lines insurance is designed for risks that are not typically covered by standard insurance policies, often because they are too unique, high-risk, or specialized. For this reason, standard auto insurance policies would not fall under surplus lines coverage.

Standard auto insurance is widely available through various carriers and adheres to established underwriting criteria, making it a common and routine offering in the insurance market. It provides coverage for standard risks associated with operating vehicles, thus fitting neatly into traditional insurance frameworks.

On the other hand, high-value manufacturing plants, specialized entertainment events, and unique habitats like national parks often present unique risks and exposures that standard insurers may choose not to cover. In these cases, surplus lines insurers step in to provide the necessary coverage, filling gaps in the traditional market where standard options are insufficient or unavailable.