Brokerage: Primary Casualty

Our Excess & Surplus dedicated platform provides general liability and excess coverage to the construction, products and premises segments for commercial customers.

We are committed to providing superior service and to building and maintaining prolonged relationships with you our valued clients.

We are a specialty niche market that targets manufacturers and manufacturer’s representatives, distributors and importers of industrial, commercial and consumer products. We are also successful in writing a variety of construction risks as well as those risks that install, service and repair machinery and equipment in industrial, commercial and residential buildings.

The Casualty division specializes in writing General Liability risks with occurrence limits up to $10 million in capacity. Ancillary coverages can include Garage Keepers Legal Liability, Hired & Non-Owned Auto Liability, Stop Gap Liability, Riggers Liability and Employee Benefits Liability, among others. Coverage can also be written for standalone Products Completed/Operations Liability, Owners and Contractors Protective Liability or Railroad Protective Liability.

Coverage Highlights

Basis of Coverage

Occurrence or claims-made policies

Coverage Available

  • General liability
  • Products liability
  • Completed operations liability
  • Owner’s interest general liability/owner’s contractors protective liability
  • Railroad protective liability
  • Discontinued products/operations

Optional Coverage Available

  • Employee benefits liability (claims made)
  • Customized coverage extensions
  • Garagekeepers liability
  • Hired and non-owned auto liability
  • Individual/blanket additional insured and waivers of subrogation
  • Per project and per location aggregate endorsements (aggregate caps of $3 million, $5 million and $10 million available)
  • Pollution liability amendments, to include limited pollution coverage arising out of the insured’s work or product
  • Primary and non-contributory wording
  • Riggers liability
  • Stop gap liability
  • Vendors coverage
  • Waivers of subrogation
  • Warranty of subcontractors form (which provides coverage for uninsured/underinsured subcontractors)


Coverage Amounts

Minimum policy deductible

$1,000 Exceptions on a case-by-case basis/ Self-insured retentions $25,000 to $250,000

Coverage Limits

$1 million per occurrence; $2 million general aggregate; $2 million products aggregate; High limit general liability options available up to $10 million occurrence limit

Appetite & Availability

Targeted Classes

The following are just some of the classes of business written that reflect our appetite for business in various segments.  We will continue to focus our efforts on the retention and acquisition of these segments as well as other segments not listed:

Commercial & Residential Contractors:

  • Artisan trade and subcontractors
  • General contractors
  • Owners Interest/GC combination
  • Paper GCs
  • Construction managers
  • Designer-led/design/build
  • Interior build-outs/renovations

Manufacturers (and distribution):

  • Air conditioning/HVAC equipment
  • Appliances
  • Automotive equipment
  • Boilers
  • Bottlers
  • Cable, ropes, slings and straps
  • Chemicals and detergents
  • Compressors and valves
  • Contractors/farm equipment
  • Conveyor/material handling
  • Electrical and electronic equipment
  • Farm equipment
  • Fiberglass and plastic
  • Furniture
  • Instruments and gauges
  • Machine shops
  • Machinery and equipment
  • Medical products and equipment (non-invasive)
  • Pipes, tubes, pumps and compressors
  • Plastics/foam materials and goods
  • Printer equipment
  • Sporting goods
  • Tanks
  • Textiles
  • Tool and die
  • Trailers
  • Wind turbine


  • Equipment rental
  • Machine shops
  • Machinery and metal workers


  • Automotive repair operations
  • Lessors risk
  • Membership organizations
  • Mercantile
  • Museums, galleries and gardens
  • Office building
  • Personal service operations
  • Real estate development property
  • Vacant buildings
  • Vacant land
  • Warehouses

Excluded Classes

  • Grain elevators
  • Highway and bridge construction
  • Habitational
  • Implantable medical devices
  • Latex products
  • Liquor liability (risks with liquor revenue more than 40% of total revenue)
  • Motel/bar/tavern
  • Nursing homes/assisted living facilities
  • Nutraceuticals
  • Patented drug manufacturers
  • Tobacco/alcohol manufacturers
  • Water parks
  • Welding rod manufacturers

Geographic Availability

United States


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

Additional Information



Dana DiLullo

AVP, Marketing & Producer Management

814-926-5221 Email

Jeff Canfield

SVP, Head of E&S Casualty

212-607-8833 Email

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