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Excess and Surplus Lines Insurance (E&S)

AIG companies, Lexington Insurance & Western World, work with high-risk businesses of all sizes, delivering innovative coverage solutions.

Why choose E&S Lines from AIG companies?

Lexington—an AIG company—is a leading U.S.-based surplus lines insurer. For more than 50 years, we’ve provided innovative property, casualty, healthcare, architects and engineers (A&E), and professional liability insurance. We work with companies and organizations of all sizes—from Fortune 100 corporations to small and middle market entities—backed by the strength of AIG.

Western World provides dedicated wholesale solutions to address the needs of the E&S Contract Bind market. Through access to our experienced team of underwriters as well as the support of our proprietary system, Western World provides solutions to address market needs. 


E&S Solutions

As a leading U.S.-based surplus lines insurer, we address large, complex, unique, and emerging risks faced by companies. We make sure our E&S solutions keep pace with technology in a rapidly changing world.

Broad, non-admitted underwriting capabilities that provide clients with exceptional flexibility of rate and form across a wide range of exposures. Clients also benefit from access to the market-leading products and services of AIG.

Excess and surplus lines coverage through Lexington Insurance, an AIG affiliate, provides unique property protection for U.S.-based companies.

Learn more about AIG's healthcare liability insurance solutions—combining patient safety, risk consulting, and claims strategies for healthcare clients.

We provide Builders Risk solutions in the construction industry segment, on both a single project and Master Builders Risk basis, for a wide array of project types.

For more than 45 years, Lexington Insurance has been providing comprehensive professional liability insurance solutions for the construction industry.

LexPro provides the wholesale market with management liability platform solutions for small/medium sized enterprises (SME).

Western World provides dedicated wholesale solutions to address the needs of the E&S Contract Bind market.

Brokers: Meet Your AIG Team

View contact information for AIG’s national product and distribution teams.

What is E&S Lines insurance?

Excess and Surplus Lines—also known as “E&S”—insurance is designed for businesses with uniquely high risks that the traditional insurance market will not cover. The types of businesses that may need excess and surplus lines are in industries like construction, building, roofing, and commercial transportation. 

Because E&S policies are written out-of-state, they have more flexibility than in-state policies. Though that means companies can obtain coverage for higher risks, they will lack certain in-state protections if the E&S insurer become insolvent or unable to continue coverage

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a description of the scope and limitations of coverage.

Lexington Insurance Company, an AIG company, is the leading U.S.-based surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and, therefore, insureds are not protected by such funds. The surplus lines market is a brokered market providing flexibility in rate and form to meet customer needs for high risks and specialized insurance products. Insurance may be placed with/procured from Lexington only by a properly-licensed surplus lines broker. The information on this site is designed to provide general information for insurance professionals only and does not constitute an offer to sell or a solicitation of insurance. Any inquiries regarding the subject matter of this site should be directed through licensed insurance professionals. AIG is the marketing name for the worldwide property casualty and general insurance operations of AIG Inc. For additional information, please visit AIG products are written by insurance company subsidiaries or affiliates of AIG Inc., including Lexington, and may not be available in all jurisdictions. Coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties.