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

Excess Casualty

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

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

Basis of coverage

Triggers – occurrence and claims made

Coverage available

Lead excess 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

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

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

Geographic availability

United States

Geographic availability notes

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.

Resources

Contact

For more information about Excess Casualty, please contact:

Jayson Taylor

VP, Excess Casualty

303-773-7255 Email Jayson Taylor

Mallorie Harper

VP, Marketing & Producer Management

832-996-4986 Email Mallorie Harper
How to Report a Claim

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