Excess & Umbrella

Our Excess and Umbrella product line offers products in both a lead and excess position over approved underlying carriers. Coverage can be written on an Umbrella or Excess form on either an occurrence or claims-made basis.

Capacity - $15,000,000

Target Classes

  • Construction
    • Commercial and residential
    • General contractors, trade contractors, and subcontractors
    • Coverage can be offered on a practice, project, wrap-up, or OCP basis
  • Most manufacturing except:
    • Invasive medical products
    • Chemical blending and manufacturing (other than household cleaners)
    • Pharmaceuticals / nutraceuticals / dietary supplements
    • Critical auto parts
    • Aircraft products
    • Tobacco
    • Firearms and explosives
  • Wholesale / Retail
  • Service (except nursing homes)
  • Commercial and habitation real estate
  • Municipalities (including public officials and police professionals)
  • School districts (including school board legal)


  • Underlying carriers with ratings of A- VI or better
  • Minimum underlying limits of $1M / $2M / $1M for general liability, $1M CSL for auto liability, $500 / $500 / $500 for employers' liability

Underwriting Information Required

  • ACORD or carrier umbrella and generalliability applications
  • Any supplemental applications / questionnaires required by the primary GL carrier
  • Three year loss summary (five year preferred) along with details on any individual losses exceeding $50,000
  • Description of operations, exposures, controls, and rating basis
  • Exposure basis information – number of vehicles by type, size, use, and radius and gross receipts, payrolls, etc.
  • Underlying carriers, effective dates, limits, and premium
  • Expiring and target premiums


  • Experienced claims staff
  • Engineering services available
  • A. M. Best rating of A XIII

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.

800.635.4742, Ext.98303