What is NOT one of the general criteria for writing through a surplus lines carrier?

The general criteria for writing through a surplus lines carrier include ensuring that coverage cannot be obtained from an authorized or admitted carrier, which is vital since surplus lines are meant for high-risk or unique situations that typical insurers might avoid. The necessity for coverage to be obtained through a licensed broker ensures that the process adheres to regulatory standards and protects the interests of the insured. Additionally, efforts to diligently place the insurance indicate a thorough search for coverage before resorting to surplus lines.

The option stating that the purpose must be to gain better pricing does not hold as a general criterion for using surplus lines. Surplus lines are typically employed for unique risks or when traditional markets are not an option, rather than simply to achieve better pricing. Pricing is important, but the primary concern should be whether the risk can be adequately covered by an authorized carrier.