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🧩 When the Standard Markets Says "No"

Excess & Surplus Lines Coverage Made Simple

Sometimes your property or situation doesn’t fit inside the box of a standard insurance company’s guidelines. That’s where Excess & Surplus Lines (E&S) come in—custom coverage solutions for hard-to-insure homes, businesses, or risks.

At AEC Insurance Services, we help you navigate these options without stress. We’ll explain what E&S means, why it’s needed, and how we still make sure you're protected by financially stable and reputable carriers.

Image by Amanda Jones
Image by Ben Dumond
Image by Danist Soh

🔍 When Do E&S Policies Make Sense?

  • Homes in high wildfire risk areas

  • Properties with prior claims or lapses in coverage

  • High-value homes or unique construction types

  • Short-term rentals or Airbnb

  • Businesses with specialized services or elevated risk

  • Vacant buildings or renovation projects

  • Coverage types the standard market won’t offer (like DIC)

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🤝 What You Can Expect

  • Clarity, not confusion – We break down the fine print and help you understand exactly what’s covered.

  • Strong carriers – We only work with reputable, financially stable E&S insurers.

  • Ongoing service – You still get the same AEC-level support, not a faceless policy.

  • Custom options – You’ll still get choices to fit your budget and risk tolerance.

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🛡️ What We Commonly Place in the E&S Market

  • Home insurance (especially in brush or wildfire zones)

  • CA FAIR Plan wraparound policies

  • Business liability and property coverage for unique risks

  • Builders Risk & vacant property insurance

  • Earthquake and DIC (Difference in Conditions) coverage

  • Professional liability for niche industries

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📌 FAQs

Is an E&S policy less reliable than a standard one?
Not at all. E&S carriers are regulated differently, but the ones we use are vetted, trusted, and often specialize in higher-risk or nonstandard policies.

Do E&S policies cost more?
They can—but not always. We’ll help you understand the value and compare options so you can make the best call for your situation.

Can I still bundle an E&S home policy with my auto or umbrella?
Sometimes. We’ll look for ways to coordinate your coverage even when E&S is involved.

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👋 Not Sure If You Need E&S?

You don’t have to decide on your own. We’ll walk you through it and only use the E&S market when necessary—always putting your needs first.

Call: 805-328-5001
Email: info@aecriskmanagement.com

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