3. To relieve insurers and brokers of that tedious and time-consuming chore, many states (with the notable exception of Texas) now maintain "export lists" of risks that the state insurance commissioner has already identified as having no coverage available whatsoever from any admitted insurer in the state. In turn, brokers presented by clients with those risks can immediately "export" them to the out-of-state surplus market and apply directly to surplus line insurers without having to first document multiple attempts to present the risk to admitted insurers By their very nature, export lists illustrate what U.S insurers consider to be hard-to-insure risks Although surplus line insurers are still regulated by the states (or countries) in which they are actually admitted, the disadvantages of obtaining insurance from a surplus line insurer are that the policy will usually be written on a nonstandard form (that is, not from the Insurance Services Office), and if the insurer collapses, its insureds in states in which is nonadmitted will not enjoy certain types of protection available to insureds in the states (or countries) in which the insurer is admitted. However, for persons trying to obtain coverage for unusual risks, the choice is usually between a surplus line insurer or no coverage at all Discuss the unique roles played by the surplus lines brokers