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Our contract binding property and casualty division targets general liability and property.

Binding Authority: Contract Property and Casualty

Our contract binding property and casualty division targets general liability and property.

Risks are usually premises driven, but may contain some light to medium hazardous products/completed operations exposures. New ventures are typically acceptable. Our broad appetite extends to more than 75 percent of all available ISO classifications.

Coverage Highlights

Basis of coverage


  • Occurrence


  • Basic, broad, special or special with theft
  • Wind and hail availability subject to guidelines

Coverage available

Commercial Inland Marine

  • Accounts receivable
  • Bailee’s
  • Contractor’s equipment
  • Electronic data processing/computer systems
  • Installation floater
  • Miscellaneous articles’ floater
  • Valuable papers


Cyber Suite includes:

  • Data Compromise Assistance: Provides coverage and assists the business owner in responding to a breach impacting customers’ and employees’ personal information.
  • Cyber Liability (Cyber One): Reacts when the business operational data and/or systems are damaged by an attack that necessitates recreation or restoration of business information.
  • Identity Recovery Insurance: Protects and assists the business owner in recovering their identity and credit history to pre-theft status.

Farm and Ranch Liability and Property

General liability including these options:

  • Additional insured’s – wide variety options including A.I.’s with products/completed operations
  • Employee benefits liability
  • High limits general liability
  • Hired and non-owned auto
  • Liquor liability
  • OCP
  • Stop gap liability

Property including these options:

  • Building ordinance or law
  • Business income
  • Coverage enhancements via gold, silver and bronze paks offer a broad variety of coverage enhancements for everything from fine arts and personal effects to lock and key replacement or tenant glass.
  • Crime
  • Equipment breakdown
  • Food spoilage
  • Gasoline pumps and canopies
  • Gold, silver and bronze pak property endorsements offer a broad variety of coverage enhancements for everything from fine arts and personal effects to lock and key replacement or tenant glass.
  • Signs
  • Vacant or seasonal
  • Water backup and sump overflow

Coverage Amounts

Minimum policy deductible

Property and inland marine deductibles start at $500 in most cases

Coverage Limits

Limits up to:

  • $2 million general aggregate
  • $2 million products aggregate
  • $1 million occurrence

High Limit General Liability (HLGL):

  • Up to five additional layers available subject to guidelines
  • One layer equals an additional $1 million


  • Up to $5 million TIV

Appetite & Availability

Targeted classes

Accommodations (hotel, motel, B&B) and food service including restaurants

Arts and entertainment – camps – clubs – exercise – recreation – special events

Communication – information – media – technology


  • Artisan contractors
  • General contractors
  • Commercial – new, ground-up construction and/or additions, remodeling, repairing, servicing
  • Custom home builders – up to six new, ground-up units annually
  • Residential – additions, remodeling, repairing, servicing
  • Computer tech
  • Demolition
  • Garbage collection
  • Owners and Contractors Protective (OCP)
  • Pest control
  • Recycling centers
  • Roofers (residential or commercial)
  • Swimming pool contractors
  • Swimming pool maintenance
  • Truckers GL

Farm and ranch:

  • Full ISO program with options unique to Excess & Surplus Lines


  • Homeowner associations
  • Lessors risk only
  • Mobile home parks
  • Office
  • Real estate
  • Vacant


  • Churches
  • Day cares
  • Education/schools


  • Cleanup
  • Salvage
  • Secondhand
  • Waste


  • Forestry
  • Landscaping
  • Pest control
  • Snow removal
  • Tree trimming



  • Bakeries
  • Beauty and barber shops
  • Car washes
  • Convenience stores
  • Distributors
  • Flea markets and push-cart vendors
  • Laundries and dry cleaners
  • Tanning salons
  • Temporary employment agencies

Rental operations

Retail – wholesale

Service risks

Transportation – warehousing

Excluded classes


  • Aircraft, aircraft parts, airports, flight operations, spacecraft, spacecraft components
  • Ammunitions, ammonium nitrate, blasting, explosives, fireworks, nitrates, pyrotechnics
  • Amusement parks/devices, midway rides, carnivals, circuses, motor sport events
  • Bars, taverns and nightclubs
  • Chemical manufacturing, blending and/or the wholesale distribution of
  • Dietary supplement, drug, pharmaceutical, scalp, or vitamin manufacturing
  • Governmental bodies
  • Marine exposures such as:
    • Cleaning, demolition/wrecking, installation, maintenance, navigation, repair and/or service of vessels or barges
    • Offshore operations/exposures of any type
  • Mining or quarrying operations
  • Motion picture production
  • Natural or artificial fuel gas, butane, gasoline, fuel oils, liquefied petroleum gases, propane. Acceptable exposures include wholesale distribution of gasoline and/or fuel oils within a 50-mile radius; storage of gas and/or fuel oils up to a combined total capacity of 75,000 gallons and/or retail service stations
  • Public utility companies
  • Railroad exposures, though sidetrack agreements are acceptable
  • Submarine exposures
  • Underground construction such as tunnel or subway-related work


  • Art galleries and/or fine arts
  • Aviation
  • Bars, taverns and nightclubs
  • Bridges or tunnels
  • Greenhouses
  • Growing or standing crops
  • Mobile homes (except for farm/ranch type risks)
  • Motor truck cargo
  • Ocean marine
  • Offshore property
  • Radio or TV towers exceeding 72 feet in height
  • Railroad property

Geographic availability

United States


For more information about Binding Authority: Contract Property and Casualty, please contact:

For EDGE Questions

Email For EDGE Questions

For Policy Info

Email For Policy Info
How to Report a Claim

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