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
Contact
Sarah Nichols
Senior Vice President
California License #0H70042
213-787-0731
Sarah.Nichols@cfins.com
For Wholesale Brokers
Justin Scherer
Vice President
California License #OK70956
213-797-3121
Justin.Scherer@cfins.com
Brian Mulvihill
Vice President
973-490-6067
Brian.Mulvihill@cfins.com
For Retail Brokers
Tracey Webb
Vice President
973-753-3356
Tracey.Webb@cfins.com
Downloads
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
ADMITTED & NON-ADMITTED
Manufacturing & Distributor Risks
- Apparel & textiles
- Construction
- Farm
- Industrial
Wholesale & Retail
- Groceries / food
- Furniture
- Beverage distributors
- Retail stores
Hospitality
- Hotels
- Restaurants with liquor
Products
- 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
ADDITIONAL NON-ADMITTED CLASSES
- 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.
Primary
Special Risk
Commercial General Liability (CGL) and Product Liability insurance coverages are available on a primary basis for manufacturers and distributors. We also offer primary casualty coverages for building and premises risks – Owners, Landlords & Tenants (OL&T)/Habitational accounts.
Surplus &
Specialty
Our Surplus & Specialty Lines division offers a full suite of primary and excess insurance products on admitted and non-admitted paper. With in-depth expertise in each of the niche markets we serve, we provide creative and customized coverage solutions and superior service.
Claim
Services
Crum & Forster has been recognized for our award-winning claim services. With dedicated teams of highly experienced claim professionals in each line of business that we write, we have the specialized knowledge and resources to resolve claims efficiently and effectively.