Excess and Umbrella

Pound for pound excess limits and/or umbrella limits are the best buy in the insurance industry. Whether your client needs to increase their General Liability limit due to a contract, or their Automobile Liability limit on a small or large fleet or truckers; excess general liability can be the right choice.

If you need higher limits on General Liability, Automobile Liability and Workers Compensation combined; we can provide an umbrella product with one limit for all three.

All underlying policies need to be written by carrier with an AM Best rating of A- or better to qualify. Retentions options are available and coverage usually follows form.

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Key Coverage Detail and Features

  • Umbrella form or excess follow form.
  • Occurrence or Claims-made coverage
  • Minimum underlying limits of $1m/$2m/$1m for general liability, $1m CSL for auto liability, $500/$500/$500 for employers’ liability
  • Capacity up to $25,000,000

Target Classes

Large commercial acountsMetal goods
Construction - Commercial, residential, and industrialConsumer and non-consumer related products
General contractors, trade contractors, and subcontractorsEquipment Rental
Practice, project, OCP, wrapsJanitorial
Carpentry, electrical, plumbing Landscaping, tree removalSchools
Excavation, grading of landMunicipalities
Sewer main constructionUtilities
HVAC ContractorsHospitality
Industrial and agricultural machineryGarage Liability
Concrete GoodsFamily Style and Fast Food Restaurant
EntertainmentReal Estate
OL&TMany More...

Experiencing higher deductibles for the perils of Wind and Hail?

If your Wind and Hail deductible gives you the chill’s like the north wind or makes you want to pack your bags and hail a taxi, we have options for you. Our markets will provide an ability to buy back your Wind and Hail deductible to as low as $5,000 per occurrence.

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