Hello, I'd really appreciate your help!

1) A drug being sold by a pharmaceutical company is being prescribed to hundreds of millions of people. Liability coverage for this exposure would most likely be written in the surplus lines market because the risk is

1. Standardized
2. Distressed
3. Unique
4. High-capacity

2) Which of the following statements is true regarding surplus lines insurers?

1. Surplus lines insurers are ineligible to obtain reinsurance for the types of risk they write
2. Surplus lines licensees are able to place insurance with any nonadmitted insurer
3. Surplus lines insurers rarely employ risk control personnel because of the nature of the exposures that they insure
4. Only surplus lines insurers that are eligible in a particular state can insure risks in that state

3) Nonadmitted insurers benefit consumers by

1. Providing coverage for loss exposures that admitted insurers are unable to insure profitably
2. Reducing the need for admitted insurers for coverages such as workers compensation and automobile liability
3. Complying with state insurance department regulations regarding rate, form, and underwriting rules
4. Charging lower rates than admitted insurers charge for the same coverage

thank you!