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


Andy Swenson
Senior Vice President
Surplus & Specialty Lines

Mike Skadra
Vice President
Surplus & Specialty - Binding Authority

Gretchen Levy
Assistant Vice President
Surplus & Specialty - Binding Authority

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

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

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.