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Commercial Insurance Underwriters Inc, (CIU®), is a Surplus Lines Agency, started in 1984, with 19 current employees. The surplus lines industry provide insurance to the consumer, having distressed, complex, unique or capacity risk. The consumer buys from a local insurance producer who may use a surplus lines agency to access surplus lines insurance carriers. Examples might include risks cancelled, non-renewed, or refused because of loss history; property values; credit; professional or environmental exposures; special events; liquor liability exposures; and/or a need for high liability limits.