Excess & Umbrella

We have two product solutions to best handle your insurance needs – Admitted and Non-Admitted. Our combined appetite allows us to accommodate a wide spectrum of risks from larger, more complex deals to smaller insureds with challenging exposures.

Target Classes/Coverages

• Manufacturing & Distributor Risks
  • Apparel/Textiles, Construction, Farm, Industrial
• Wholesale & Retail
  • Groceries/Food, Furniture, Beverage distributors, Retail stores
• Hospitality
  • Hotels, Restaurants w/Liquor, etc.
• Real Estate
  • Habitational, OL&T, Commercial
• Products
  • Commercial/Industrial component parts
  • Fabricated metals
  • Furniture
  • Machinery/Tools
  • Non-critical auto parts
  • Plastic, Rubber products, Wood pallets
• Service Industries
• Commercial Contractors (Non-Admitted handled by the Construction unit)
  • General contractors
  • Various trade contractors
• Additional Non-Admitted Excess Classes
  • Bars
  • Entertainment (Shell Corporations and Promoters)
  • Social Services
  • Special Events (Fairs, Races, Festivals)

Capacity

• Admitted Umbrella/Lead and Excess
  • $15 million capacity written on an occurrence basis that can be used either in full at high attachments or split for ventilated placements.
• Non-Admitted Lead
  • $10M Capacity
  • Claims Made or Occurrence
• Non-Admitted Excess
  • $15M Capacity in non-lead position
  • Claims Made or Occurrence

Product Features

• Umbrella (Defender) Policy – Admitted
  • Worldwide coverage
  • Pay on behalf of the “insured” provision
  • Contractual follow form waiver of subrogation (where available)
  • No self-insured retention (except for NY $10,000)
  • Covered pollution cost or expense for auto or mobile equipment related occurrences
  • Pollution exclusion does not apply to BI/PD arising out of pollution caused by lightning/explosion
  • Broad definitions of bodily injury includes shock, mental anguish, mental injury or humiliation
  • Non-employment related discrimination in violation of a civil rights law is covered (where available)
  • Double general aggregate is available for contractors, real estate and retail risks
• Excess Policy
  • Multiple attachment points to best suit the insured’s needs providing competitive alternatives
  • Excess Liability policy has few exclusions to closely follow form controlling underlying insurance
  • Ability to participate in quota share layering of excess limits
  • Will follow defense inside or outside of limits
  • ISO based forms with manuscript capabilities
• UL Requirements
  • A.M. Best Rating of A-VII or better
  • $1M Automobile CSL
  • General Liability Limits: $1M/ $2M/ $2M/ $1M
  • Employer’s Liability Limits: $1M/$1M/$1M