Which of the following is an example of a risk that might require surplus lines insurance?

Surplus lines insurance is specifically designed to provide coverage for unique or hard-to-place risks that are often not insurable through standard insurance markets. In the context of this question, insuring a unique property such as an amusement park represents a specific scenario where the standard insurance market may be unwilling or unable to provide adequate coverage due to the unusual risks associated with operating such an entity.

Amusement parks have diverse and significant risk factors, including liability concerns related to rides and attractions, property damage from weather or accidents, and potential business interruption due to unforeseen events. These complexities make it difficult for traditional insurance companies to offer standard policies, thus necessitating the use of surplus lines insurance, which can address the distinctive exposures associated with such properties.

In contrast, the options involving a standard home, a typical car rental company, and a conventional small business represent more commonplace risks that are generally well-understood by insurers and for which standard policies are readily available. These typical risks are not considered high enough in complexity or exposure to warrant coverage through surplus lines. Therefore, option B accurately identifies a type of risk that typically requires surplus lines insurance.