What does the loss history look like? Are there any other negative risk factors? If not, surplus lines should have no problem writing. I've even seen large major carriers make an exception. Also, depends on the type of bankruptcy.
Carriers can definitely decline based on credit factors in the standard market. But surplus lines decline seems fishy. What is the rest of the story? Claims, protection class, updates to home, etc... It's got to be a combination.
Client has no losses. Even owns a business. It is a knock out question with every company I try. J&J and JSA and Hull & Co have all told me no with a bankruptcy.
Do you have Foremost there? I don't think they decline for credit (at least I've never had them do that). Their rates won't be great, but if it's all they can get....