Surplus Insurance Lines

Surplus Insurance Lines will come into play for a variety of situations, for many different types of businesses and endeavors including Contractors, Business Owners, and even personal coverages such as Auto Insurance.  Typically, the need for Surplus Insurance will arise with high risk occupations or for businesses that require insurance outside of what might be considered normal operations like Commercial General Liability Coverage, etc. for businesses with higher than average accident occurrences.  AJS Insurance Services works with A+ Rated Surplus Insurers to help you get the coverage you need to keep business running smoothly and soundly, while covering all of your bases appropriately.

The surplus lines market plays an important role in providing insurance for hard-to-place, unique or high capacity (i.e., high limit) risks. Surplus lines insurers are able to cover these types of risks because they are able to react to market changes and accommodate the unique needs of insureds that are unable to obtain coverage from standard carriers. This results in cost-effective solutions for consumers that are not “one size fits all,” but are instead skillfully tailored to meet specific needs for non-standard risks.

Some of the Businesses and Contractors that might require Surplus Liability Insurance are:

  • Artisan & Paper
  • Businesses with a high risk of Environmental Impact
  • Carpenters
  • Commercial
  • Developers
  • Excavation and Grading Contractors
  • Hazardous Waste Management and Disposal
  • Inland Marine and Coastal/Standard Marine
  • Manufacturing
  • New Ventures
  • Remodelers
  • Roofing and Solar Panel Installers


AJS Insurance Services has over 25 years of experience in assisting Businesses and Individuals find coverage for their unique or higher risk operations with the Surplus Market, and we will work hard for you toward finding the best solutions to your fulfill your Insurance needs.

AJS Insurance Services Brokers Suplus Insurance Lines Through NeitClem Wholesale Insurance Brokerage, Inc

NeitClem is an independently owned surplus lines brokerage agency that has been in business since 1992.

AJS Insurance Services has access to a variety of Wholesale Surplus Line Agencies.

Extensive Portfolio of A Rated Insurance Companies

Clients Ranging From Small Business to Fortune 100

Knowledgable, Committed Service

18 Years of Specialty in Insuring High-Risk Businesses and Activities

You are covered


AJS Insurance Services has the experience and expertise to help you choose the right insurance coverage packages for you. With over 25 years of experience we can help you examine your risks and find the best solutions to ensure that your home, your cars, your business and your health and security are fully covered. Contact us today for a free quote!


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