Binding Authority

Streamlined Solutions for Small Accounts

Crum & Forster’s Binding Authority unit is dedicated to speed and simplicity, providing competitive coverage across a breadth of classes, and stability you can depend on. Delivered through our network of exclusive wholesale broker / MGA partners on a surplus lines basis, we deliver the small business coverage you need.

Our team specializes in accounts with up to $30,000 in total premium. To learn more about our risk appetite and coverage capabilities, download our Binding Authority Overview or email [email protected].


Andy Swenson
Senior Vice President
Surplus & Specialty Lines
[email protected]

Mike Skadra
Vice President
Surplus & Specialty - Binding Authority
[email protected]

Gretchen Levy
Assistant Vice President
Surplus & Specialty - Binding Authority
[email protected]

Binding Authority
Surplus & Specialty Brochure

Solutions & Services
Surplus & Specialty Lines
Claim Services

Binding Authority – Target Classes

  • Contractors (residential, commercial, industrial)
  • Churches
  • Distributors / wholesalers
  • Farms (GL only)
  • Garages (service only) on GL form
  • Habitational
  • Landowners
  • Light manufacturers
  • Restaurants, taverns and bars
  • Schools (private or vocational / trade)
  • Vacant buildings
  • Warehouses

For additional target classes and other details, see our Binding Authority Overview or email [email protected].

Insurance for Small Businesses


  • General Liability
  • Property up to $750,000 TIV per policy
  • Inland Marine
    • Scheduled equipment
    • Miscellaneous tools
    • Miscellaneous articles


  • Contractors Professional Liability
  • Hired & Non-Owned Auto Liability for select classes
  • Higher GL limit – Up to $3M aggregate limits on most classes
  • Blanket additional insured, waiver and primary / non-contributory coverage available
  • Per project / per location aggregate available

Binding Authority Portal


  • Automated underwriting platform for rate, quote, refer, bind and issuance on all business
  • Full API / web service capability to electronically link agent portals / systems and comparative raters to the C&F Binding Authority platform directly
  • Analytics and data science enabled, matching our best offer to each specific risk

For additional information, see our Binding Authority Overview or email [email protected].

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.