Residential Property Insurance
Aegis General has deep roots in residential property insurance having started as a specialized market for mobile and manufactured homes over 40 years ago. Today, Aegis General embodies its slogan: “Peace of mind made easy” by providing a stable, consistent and predictable experience with every interaction; not a market that is constantly changing.Aegis General was formed by a team of talented insurance specialists backed by an admitted insurance carrier with a proven track record in property and casualty insurance and an “A” (Excellent) rating by A.M. Best.
Manufactured Home Insurance
Aegis General specializes in writing insurance for manufactured homes, including mobile and modular units. Backed by A.M. Best, an “A” rated carrier, Aegis Security Insurance Company, we focus primarily on underserved markets for manufactured homes 10 to 20 years old. Although it is not our focus, we will accommodate newer manufactured homes by providing coverage.What distinguishes our program in the marketplace are several key factors including providing coverage that protects customers from perils common to the Manufactured Home, offering our customers an insurance policy and not a maintenance policy. As such, you will not find unnecessary and cost-prohibitive add-on coverages in an insurance policy from Aegis General.
Homeowners Products
Aegis General offers homeowners insurance products throughout the United States. We provide HO-3 and HO-5 policy forms for primary residences in California with dwelling limits up to $1 million. We also provide a affordable homeowners product in other states for properties not available through standard markets.Our success is primarily a result of our underwriting discipline and integrity, long-term agency relationships, competitive and profitably written products and a dedicated claims staff through our carrier, Aegis Security Insurance Company.
Homeowners Insurance
Aegis General provides HO-3 and HO-5 policy forms for primary residences with dwelling limits up to $1 million. But more than that, we integrate tools to provide real-time guidance on estimated replacement costs, wildfire exposure and loss history right at the point of sale, eliminating post-bind surprises for you and your clients. And of course, we support the coverage options, deductibles and discounts you would expect, plus a few more.
Dwelling Fire Products
Aegis General offers dwelling insurance products throughout the United States. In California, for seasonal, secondary and tenant-occupied homes, Aegis General provides a secondary (dwelling fire) program with both DP-1 (ACV) and DP-3 (limited replacement cost) policies available. In other states, we offer dwelling fire insurance for lower, well-maintained homes that are owner-occupied, seasonal or rentals.Our success is primarily a result of our underwriting discipline and integrity, long-term agency relationships, competitive and profitably written products and a dedicated claims staff through our carrier, Aegis Security Insurance Company.
Your Insurance Home for Vacant Dwellings
As specialists in the habitational market, part of our portfolio of insurance programs includes protection for vacant dwellings. As an insurance agent and producer, you may have clients who need to vacate their home due to renovations or perhaps they’re selling the property or it’s in probate. With Aegis General, you can insure vacant properties and their unique exposures against fire, explosion, wind, hail, theft, vandalism and other perils along with premises liability coverage.Our program is available through Aegis Security Insurance Company, an A.M. Best “A, Financial size VII” rated carrier that specializes in underserved and hard-to-place homeowners markets. We deliver a competitive insurance solution for vacant dwellings.
Recreational Insurance Products
Aegis General’s specialized products include coverage for your street-legal or off-road motorcycle, ATV, UTV or travel trailer. For true peace of mind, get with the motorcycle and travel trailer coverage experts.
Advantage of Specialty Motorcycle Coverage
At Aegis General, we write coverage for motorcyclists of every age and every style, offering insureds a choice when it comes to their Motorcycle insurance. Just as no two bikes or riders are alike, we can tailor our program to fit your insured’s needs. Our program is written with Aegis Security Insurance Company, an A.M. Best “A, Financial size VII” rated insurer on admitted basis, and offers several different types of plans. Depending on the type and use of the bike, additional coverages are available for add-ons and equipment, as well.
Specialized Coverage for Travel Trailers
Travel trailers can be towed by a car, van or pickup by a bumper or frame hitch. They typically sleep up to 10 people and at minimum include a bed, table (which often converts to a bed), a food preparation area and storage. Larger models may include a galley kitchenette and small toilet stall, or a full kitchen, bathroom, master bedroom and living room.As such, travel trailers differ in size and amenities and require specialized insurance protection. A homeowners or auto policy typically doesn’t provide the proper or adequate coverage needed. Items such as appliances and accessories in the travel trailer or emergency expenses incurred while traveling typically are not covered under these policies.Aegis General’s TRAILBLAZER Program, written with top-tier insurer Aegis Security Insurance Company, an A.M. Best “A, Financial size VII” rated insurer, offers specialized protection designed for travel trailers at a competitive price.
Specialized Health & Accident Insurance
Since 1998, the Aegis Group has offered two unique health insurance products to address the growing concern of liability and spiraling medical costs.Our Blanket Group Accident program provides insurance for a wide range of sport teams, including coverage for injuries to insured coaches, managers, mascots, cheerleaders, scorekeepers and players while participating in a regularly scheduled game or regularly scheduled practice of the policyholder or traveling directly to or from such a game with other members of the team as a group. We also provide coverage for special events.Our Supplemental GAP Group Medical program is an employer-sponsored group supplemental insurance plan designed to help reduce the cost of group medical coverage. Combining the GAP Plan with certain major medical plans can deliver the coverage groups want in terms of benefits and affordability.
Accident Insurance for Sports Teams and Special Events
In neighborhoods throughout our communities, every day there are dozens of organized sports events taking place. From youth soccer to flag football, softball, basketball, hockey and more, people take to the fields, courts, rinks and rings to compete. Protecting the participants of sporting events should an accident or injury occur is critical to the financial well being of those that organize these games, matches and competitions. Aegis General offers Blanket Accident insurance for athletic teams and their participants, providing coverage that goes beyond their other insurance policies.
Supplemental GAP Group Medical Insurance
With escalating healthcare costs and rising premiums, employers are looking for creative options to help reduce costs while providing employees with the benefits they need. Aegis General offers a solution designed to help reduce the cost of group medical coverage. Our Supplemental GAP Group Medical coverage, an employer-sponsored group supplemental insurance plan, works in conjunction with certain major medical plans, providing employers with the ability to offer coverages their employees want and can afford while containing costs. This not only helps to retain employees but also can serve to attract quality talent.
Flexible and Creative Bond Solutions
Many of our independent agents and producers specialize in the construction industry and are looking for a competitive and reliable source to provide surety bonds. At Aegis General, we are that source. In addition to providing contract surety bonds, we can also deliver commercial surety bonds to a wide range of businesses to satisfy both local and state regulations. You can rely on our strength, responsiveness, fair underwriting decisions, flexible thinking and creative underwriting solutions when it comes to meeting your clients’ surety bond needs. We do what makes good business sense…and we can do the same for you.We specialize in providing underwriting bid, performance, payment, supply and maintenance bonds. In addition, we can help address your client’s surety needs as their businesses grow and evolve.
Energy Insurance Solutions
Aegis General’s Energy Division specializes in providing insurance and risk management solutions for downstream petroleum product distribution. Enterprises engaged in the wholesale and retail sale of petroleum and propane including common carriers are the major focus of our program with ancillary industry operations including solutions for rural retail home heating oil distribution as well as the hauling of bulk oil, used oil, crude oil and salt water.With an office in Conway, Arkansas, Aegis General Gas & Propane Distribution is led by Doug Strange, Tom Mullaney and John Hildebrand, who bring experienced underwriting and risk engineering.
