INSURANCE CARRIER
AEGIS Deductible Buy-Back and Specialty Coverage
AEGIS provides deductible buy-back and excess specialty coverage for Georgia commercial accounts managing premium through higher primary deductibles.
Commercial Lines - Specialty
- File a claim 800-233-2160 · Mon-Fri 8am-5pm ET; after-hours via email
- Online Account & claims portal
- After hoursAEGIS is a surplus lines carrier. Claims reporting: call 800-233-2160 or email [email protected]. After-hours claims go to the email queue and are acknowledged the next business day.
Coverage Focus
What this carrier writes
Overview
About This Carrier
AEGIS Insurance Services is a specialty commercial carrier that writes deductible buy-back, excess and umbrella, and other specialty coverages designed to layer above or alongside primary commercial policies. For Georgia businesses with large deductibles or umbrella needs above standard carrier limits, AEGIS provides targeted solutions. Available through Olive Cover to place coverage in Georgia.
Strengths
What This Carrier Does Well
Specialty deductible buy-back capacity that lets Georgia commercial accounts take higher primary deductibles without absorbing all of the retained risk.
Established backing on a coverage layer where capacity matters.
Available with no minimum volume requirements.
Limitations to Know
Where They Fall Short
Specialty coverage layered above primary policy. Requires primary carrier coordination at claim time.
Not relevant for small businesses with standard business package coverage. Value shows when primary deductibles are large.
Limited Georgia admitted market presence; AEGIS operates primarily on an excess and surplus lines basis, which removes Georgia guaranty fund protection from the equation
Right Fit
Who They Are Best For
Best Fit For
Professional firms, financial institutions, and businesses needing specialty management liability and professional indemnity coverage that the standard admitted market cannot provide, particularly for complex or high-limit placements.
Not a Good Fit For
Small businesses needing business package, general liability, or workers comp. AEGIS is a specialty carrier for complex professional and management liability risks in the surplus lines market.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Specialty
- Coverage Types
- Deductible buy-back, excess and umbrella, specialty management liability, professional indemnity
- States Available
- All 50 states through specialty placement
- Commercial Lines States
- All 50 states through specialty placement
- Max Business Revenue
- Coverage sized to deductible amount and primary policy structure rather than business revenue
- BOP Appetite
- Not a business package carrier. AEGIS provides deductible buy-back and specialty coverage that supplements primary commercial property and liability.
- Industry Classes
- Manufacturing, habitational, large commercial property, and any account using high-deductible primary commercial coverage
Pricing & Claims
What to Expect
Best Pricing For
Surplus lines specialty placements where admitted carriers cannot provide adequate limits. Most competitive on layered coverage above primary commercial policies for mid-market and larger Georgia accounts.
Pricing Context
AEGIS is competitive for surplus lines professional and management liability placements where admitted carriers cannot provide adequate limits or coverage terms.
Claims Experience
Specialty claims handling oriented around the layered nature of their coverage. AEGIS coordinates with primary carriers when claims trigger both layers. For Georgia accounts using AEGIS, claims are usually straightforward when the primary carrier handles loss adjustment.
Admitted Status: Non-admitted (surplus lines) for most placements
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
What is AEGIS Insurance and what does it specialize in?
AEGIS is a specialty commercial carrier with a long track record of paying claims, focused on excess umbrella and management liability for professional firms.