Slow and  steady: The E&S market has expanded in part due to the impact of hard-market conditions on the admitted insurance lines and carriers. (Photo illustration by Chris Nicholls/ALM Media) Slow and  steady: The E&S market has expanded in part due to the impact of hard-market conditions on the admitted insurance lines and carriers. (Photo illustration by Chris Nicholls/ALM Media)

The wholesale, excess and surplus (E&S) insurance landscape evolved over the last decade from a period of steady growth and stage-one tech adoption to a dynamic, expansive market focused on emerging risks and advanced digital integration.

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