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)


  • 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


Surplus lines products are available in California only through CoverXSpecialty Insurance Services, a licensed surplus lines broker (CA license #0573926)