Which of the following options describes a characteristic of surplus lines?

Surplus lines are specifically designed to address the insurance needs of individuals or businesses that cannot find coverage through the traditional standard market due to unique risks or unusual circumstances. This characteristic makes surplus lines particularly valuable for high-risk industries or specialized coverage requirements that typical insurers may not be willing to underwrite.

The nature of surplus lines often involves higher risks, so these insurers have the flexibility to provide coverage tailored to those specific needs, which is not commonly available through standard policies. Therefore, the focus on unique or high-risk situations is a fundamental characteristic of surplus lines insurance, making this option the most accurate choice.