Excess coverage complements our primary niches by offering excess liability coverage over primary and/or excess underlying policies, as well as self-insured retentions. We have the flexibility to provide follow-form coverage over general, automobile, employee benefits, foreign, garage and employer’s liability underlying coverages and captives, among others. We provide lead layer placements up to $10 million limit and excess liability coverage up to $25 million limit, provided we are at a $10 million attachment position. We can craft tailor-made coverage solutions to apply to any individual risk.
Coverage Highlights
Coverage provided
- Admitted and non-admitted options
- Occurrence or claims-made
- Follow-form excess
- Excess over underlying insurance or retained limit
Capacity afforded
- $5 million in lead position
- $10 million excess of $10 million
- $15 million excess of $25 million
Appetite & Availability
Specialty Excess has an appetite for a broad array of classes within the manufacturing, service and materials production segments. We group these into the following clusters*:
Preferred Classes
- Machinery – parts, dealers, service and repair
- Machine shops
- Manufacturing – instruments, pumps, plastic/rubber, appliances, tools, lubricants
- Warehouses
- Lessors’s Risk Only
- Vacant buildings and land
- Retail stores
- Grocery stores/markets
- Restaurants – up to 30% alcohol
- Decorative metal erection
- Artisan contractors
- High-excess OCIPs/CCIPs out of New York
- Owner’s interest
- Interior build-outs/renovations
Attractive Classes
- Vacant buildings and land
- Recycling operations
- Engineering, architects and consultants – no construction
- Chemical manufacturing – commercial and household
- Trailer manufacturing
- Manufacturing – auto parts (operating and non-operating), electrical equipment, furniture, clothing, appliances
- Distributors – automobile parts, plumbing supply, food
- Paper general contractors
- Tree trimming services – wildfire exclusion as required
- Energy
- Colleges/universities
- NY Construction
Opportunistic Classes
- Valves manufacturing
- Plumbing supplies and fixture manufacturing
- Tank manufacturing
- Sporting goods manufacturing
- Restaurants – high-end and food-focused
- Breweries – craft
- Hotels – Full service and high-end
- Building supplies distributors
- Food distributors – O/T leafy greens, fruits/vegetables, certain chicken/beef/refrigerated foods
- Machinery and equipment rental
- Civil infrastructure
Geographic availability
United States
Distribution
This product is distributed through a network of appointed excess and surplus wholesale agents and brokers.
*Classes presented are representative rather than exhaustive. Please check with your underwriter for further guidance.
