Welcome
We specialize in surplus insurance for high risk businesses. The kinds of organizations standard carriers often avoid including those facing unique underwriting challenges. From youth programs to coastal property and dangerous trades, we help you get the protection you deserve when traditional coverage isn’t an option.
What Is Surplus Insurance?
Surplus lines insurance, also known as E&S (Excess & Surplus), is designed for businesses that fall outside the appetite of standard insurance markets. Whether due to location, risk level, or business type, if your business has been denied or excluded by traditional providers, surplus insurance can be your solution. If your business is considered uninsurable by standard carriers, our expertise in surplus insurance for high risk businesses ensures you have options.
How Surplus Insurance Helps Business Owners
Most traditional insurance companies have strict underwriting guidelines. If your business doesn’t fit their mold because of your industry, location, or risk level they may decline to offer coverage. That’s where surplus insurance comes in.
This type of insurance allows carriers to offer flexible, customized coverage to businesses with nonstandard risks. Asgardian Risk Management helps you access this market, navigate the quoting process, and get the protection your business deserves.
Who We Serve
We work with a variety of high risk markets:
- Youth Focused Programs: Gymnastics centers, dance studios, camps, after school programs, daycares, and youth enrichment services
- Coastal Property Owners: Businesses near the coast affected by wind, flood, or hurricane risk
- High Risk Trades: Welders, contractors, roofers, marine electricians and other tradespeople requiring tailored hard to place coverage
Why Choose Asgardian?
We’re not just another brokerage, we’re a small, specialized team built on trust, clarity, and experience. As veterans and risk professionals, we understand what’s at stake when your business is left exposed. We help you navigate the surplus market with speed, transparency, and respect.
We’re not a faceless agency, we’re built on integrity, trust, and clear communication. You won’t find hard sells or confusing policies here. Just real answers, fast follow ups, and deep knowledge of the market.
Our Process: How We Help High Risk Businesses Get Insured
Getting coverage through the surplus market doesn’t need to be confusing or overwhelming. At Asgardian Risk Management, we’ve simplified the process so you can focus on running your business, not chasing quotes.
Here is how it works.
Step 1: A Conversation
We start with a short consultation to learn about your business, what risks you’re facing, and why you’ve had trouble getting insured. We’ll ask the right questions and explain what to expect from the surplus insurance process.
Step 2: Risk Assessment
Once we understand your situation, we dig into the details. Whether it’s your business type, location, prior losses, or unique coverage needs we use this to match you with the right carriers in the excess & surplus market.
Step 3: Quote Comparison
We gather quotes from trusted E&S carriers and walk you through your options clearly. No jargon. No pressure. Just real answers and expert advice tailored to your business.
Step 4: Coverage Bound
Once you choose a policy, we get you covered. We stay on to help with renewals, adjustments, or any questions down the road.
Is Surplus Insurance Right for You?
If you’ve been denied insurance, dropped by a standard carrier, or told your business is “too risky,” we can help. Surplus insurance for high risk businesses is what we do best.
It may be time to consider surplus coverage if:
- Your business serves minors or vulnerable populations
- You operate in coastal or weather prone regions
- You work in dangerous environments or high liability trades
- Your claims history or business type doesn’t meet standard carrier guidelines
Who We Partner With
We work with top rated surplus carriers who specialize in non standard risks. These are companies built for businesses like yours, where risk is real but insurability is possible with the right partner.
Since we are independent, we only work with carriers who align with our values: transparency, responsiveness, and a willingness to take on tough coverage challenges.
Frequently Asked Questions
What makes a business “high risk”?
A high risk business typically operates in an industry with a greater chance of injury, property damage, or legal exposure. This includes construction trades, youth programs, businesses in coastal zones, and companies with prior claims or unique operations.
Will surplus insurance cost more?
Surplus insurance is often slightly more expensive than standard coverage but it exists because the standard market won’t offer it. What you get in return is customized protection that keeps your business running legally and safely, even when traditional carriers say no.
Do I qualify?
If you’ve been denied coverage, dropped, or told you’re uninsurable, surplus insurance for high risk businesses might be your best option. Let us review your situation and guide you from there.
Ready to Talk?
Every business faces risk but not every business fits inside a standard box. At Asgardian Risk Management, we understand that. That’s why we specialize in surplus insurance for high risk businesses that need flexible, reliable coverage when others won’t step up.
Whether you’ve been declined, dropped, or just want an expert who actually listens, we’re ready to help.
Schedule a consultation with our team today. We’ll review your risks, explain your options, and help you make informed decisions. No pressure, just real support.
👉 Request A Quote or Contact Us
Let’s protect what you’ve built.
Learn more about surplus lines insurance at the National Association of Insurance Commissioners.