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Excess Casualty
Overview
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Carrier A.M. Best Rating: "A-" X.
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Program Offered: In all 50 states on a Non-admitted basis.
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Limits of Liability: Up to $2,500,000 (will be up to $5,000,000 shortly).
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Excess Limits: Excess is offered on an unsupported basis.
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Minimum Premium: $10,000.
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ISO Commercial Excess Liability Coverage Form.
Minimum Primary Underlying Limits/Attachment
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Commercial General Liability:
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Automobile Liability:
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Employers Liability:
$1M Occ/ $2M Gen Agg/ $2M PCO Agg
$1M CSL
$1M per Acc/$1M per Policy/$1M per Empl.
Target Classes
Manufacturing
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Wholesale Trade/Durable
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Commercial Goods
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Industrial Goods
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Food and Beverage
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Consumer Goods
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Distributors/Importers (if fleet is under 100 vehicles)
Real Estate
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Commercial Real Estate
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Mercantile/Office
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Retail Establishments
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Convenience Stores
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Habitational Real Estate (no subsidized, student or assisted living facilities)
Hospitality
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Hotels and Motels
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Restaurants, Bars and Taverns (subject to liquor, entertainment, and/or other exposures)
Contractors (excl NY and LA)*
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Artisan Trade Contractors
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Commercial General Contractors
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Project Specific and Owner’s Interests (Non-Wrap Up)
* No Contractors working for National Home Builders, such as D.R. Horton, Pulte, Toll Brokers, Lennar, etc.
Ineligible Risks
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Auto Liability for Fleets with Greater than 100 Power Units (excluding trailers).
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Trucking Operations.
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Monoline Excess Automobile Liability.
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Nightclubs, Gentlemen’s Clubs, Student and College Bars, etc.
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Cannabis.
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PEO Companies – Professional Employer Organizations.
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Chemical Manufacturing – Medium to Heavy (Household products are acceptable).
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Automobile and Critical Auto Part Manufacturing.
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Firearm/Gun/Ammunition Manufacturing or Distribution.
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Wrap Up Construction Projects and Consolidated Construction Insurance Programs.
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Construction Risks in NY and LA.
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Medical Products.
Submission Requirements
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Acord Application.
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Supplemental Application Preferred.
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Minimum of 5 Years currently valued GL, Auto, Umbrella, and Foreign Loss Runs.
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Minimum of 5 Years of exposures (Revenue, Payroll, Fleet, and/or Square Footage).
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Minimum underlying carrier A.M Best Rating: “A-” VII.