Excess/umbrella coverage complements our primary niches by offering excess or umbrella liability coverage over primary and/or excess/umbrella underlying policies, as well as self-insured retentions.

Brokerage: Excess Casualty

Excess/umbrella coverage complements our primary niches by offering excess or umbrella liability coverage over primary and/or excess/umbrella underlying policies, as well as self-insured retentions.

Excess/umbrella coverage complements our primary niches by offering excess or umbrella liability coverage over primary and/or excess/umbrella 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, 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

Basis of coverage

Triggers – occurrence and claims made

Coverage available

Lead excess and umbrella coverage

  • Mid excess
  • High excess, or quota share participation
Coverage notes

Minimum underlying requirements:

  • Underlying carriers must be A.M. Best rated “A-” (VI) or better; state workers’ compensation plans (yes)
  • General liability – $1 million/$2 million/$1 million/$1million
  • Employee benefits – claims made or occurrence – $1 million/$1 million
  • Auto liability – $1 million CSL
  • Employers liability – $500,000/$500,000/$500,000
  • Liquor liability – $1 million/$2 million
  • Miscellaneous professional – $1 million/$2 million

TRIA will be considered on a per-risk basis. A charge of 5 percent–100 percent of the annual premium will be considered based on exposure. A signed acceptance/rejection form is required to bind.
Aggregates

  • We will entertain per location/per job aggregates, but may implement a policy cap.

Automobile requirements

  • Service or commercial auto emphasis
  • Prefer local or intermediate radius
  • Truck tractors – incidental exposures considered on an individual basis (no trucking or hauling risks)
  • Excess garage legal liability
  • Contingent auto liability

 

Coverage Amounts

Minimum policy premium

$25,000

Coverage Limits

$25 million capacity (if excess $10 million)

Appetite & Availability

Targeted classes

Products

  • Industrial products: Machinery/equipment manufacturing, alternative energy parts, agricultural machinery
  • Component products (made for other manufacturers)

Premises-Related Exposures

  • Commercial real estate, including mixed-use
  • “High-end” hospitality, including large resorts, hotels, restaurants, single-location nightspots
  • Wholesale distributors/warehousing
  • Financial institutions (excluding professional liability)

Commercial Contractors

  • Artisan contractors: Small to medium painters, carpenters, electrical and plumbers, etc.
  • General contractors: Small to medium commercial contractors with greater than 50 percent of work subbed out
  • High excess OCIPs/CCIPs (outside of NY)
  • Owners interest

Miscellaneous

  • Non-profit organizations
  • Janitorial services
  • Special events

Excluded classes

  • Crane and scaffolding rental
  • Helmet manufacturers
  • Offshore or “in the hole” oil and gas products
  • Permanently implantable medical devices
  • Pharma/nutraceuticals
  • Rail
  • Wildfire exposures, including tree trimming
Geographic availability

United States

Geographic availability notes

United States

Additional Information

Distribution

This product is distributed through a network of appointed excess and surplus wholesale agents and brokers.

Resources

Contact

For more information about Brokerage: Excess Casualty, please contact:

Jeff Canfield

SVP, Head of E&S Casualty

212-607-8833 Email Jeff Canfield

Dana DiLullo

AVP, Marketing & Producer Management

814-926-5221 Email Dana DiLullo

Erika Franklin

Excess Practice Leader

480-751-3691 Email Erika Franklin
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