Excess & Umbrella

Commercial Umbrella & Excess Liability Insurance

For more than 50 years, we have provided innovative umbrella and excess liability solutions based on technical expertise and quality service. Our Excess & Umbrella team has in-depth knowledge and experience so we are able to respond quickly and adapt intelligently to the changing dynamics of the marketplace.

We entertain both supported and unsupported excess business and offer admitted and non-admitted paper, which enables us to deliver a solution that best meets our clients’ insurance needs. To learn more, download our Excess & Umbrella Overview or contact our specialists.

Send Us Your Submissions

Wholesale Brokers: SSL.XSUmb.Submissions.Wholesale@cfins.com

Retail Brokers: SSL.XSUmb.Submissions.Retail@cfins.com


Sarah Nichols
Senior Vice President
California License #0H70042

For Wholesale Brokers
Justin Scherer
Vice President
California License #OK70956

Brian Mulvihill
Vice President

For Retail Brokers
Tracey Webb
Vice President

Excess & Umbrella
Surplus & Specialty Brochure

Solutions & Services
Primary Special Risk
Surplus & Specialty Lines
Claim Services

Admitted Umbrella/Lead and Excess

Targeted capacity of $15,000,000. Our capacity may be used on split or ventilated placements. Additional capacity may be deployed on high excess placements depending upon individual risk characteristics and placement dynamics.

Non-Admitted Lead

$10,000,000 capacity
claims made or occurrence

Non-Admitted Excess

$15,000,000 capacity in non-lead position
claims made or occurrence

For additional information about our coverage capabilities and risk appetite, see our Excess & Umbrella Overview or contact our specialists.

Excess & Umbrella - Target Classes


Manufacturing & Distributor Risks

  • Apparel & textiles
  • Construction
  • Farm
  • Industrial

Wholesale & Retail

  • Groceries / food
  • Furniture
  • Beverage distributors
  • Retail stores


  • Hotels
  • Restaurants with liquor



  • Commercial / industrial component parts
  • Fabricated metals
  • Furniture
  • Machinery / tools
  • Non-critical auto parts
  • Plastic / rubber products
  • Wood pallets

Real Estate

  • Habitational
  • OL&T
  • Commercial


Commercial Contractors
(Non-admitted handled by our E&S Construction unit)

  • General contractors
  • Trade contractors

Service Industries

  • Non-construction services
  • Educational
  • Not-for-profit organizations


  • Bars
  • Social Services

Excess Policy Highlights

  • 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
  • Allows for Additional Insured by Written Contract, Primary Non-Contributory and Waiver of Subrogation in accordance with the controlling underlying insurance
  • Per Project/Per Location Aggregate Limits Endorsements available
  • Definition of Event allows follow form over both occurrence or claims made coverages

For additional information, see our Excess & Umbrella Overview or contact our specialists.

Umbrella/Lead Underlying Requirements

  • A.M. Best Rating of “A-” VII or better
  • Automobile Liability Limits: $1M Combined Single Limit
  • General Liability Limits: $1M / $2M / $2M / $1M
  • Employer’s Liability Limits: $1M / $1M / $1M

Our Excess & Umbrella team has a deep commitment to the clients we serve, and we demonstrate this on a daily basis through our quick turnaround, our agility and our flexibility in structuring solutions.

For additional information, see our Excess & Umbrella Overview or contact our specialists.

This overview is provided for informational purposes only and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued by one of the companies within Crum & Forster. All conditions of coverage, terms and limitations are defined and provided for in the policy. Surplus lines products are available in California only through Crum & Forster Insurance Brokers, Inc., a licensed surplus lines broker (CA license #0E14610).