Commercial Umbrella & Excess Liability

Policy Highlights

  • Umbrella, Follow Form Excess and Excess Umbrella coverage forms available
  • Non-admitted capabilities in all states.
  • Applicable State Surplus Lines taxes are in addition to the premium and are the producers responsibility

Standard Limits

    • $1,000,000 to $5,000,000 lead umbrella
    • $1,000,000 to $5,000,000 excess umbrella

(we can participate anywhere in the first $25,000,000 excess of primary)

  • $1,000,000 to $5,000,000 following form excess

Minimum Premium

  • Policy Minimum Premium = $1,500
  • Per million Minimum Premium = $750.00

Other Coverage Parts Available

  • Follow Form Hired & Non-Owned
  • Follow Form Employee Benefits
  • Follow Form Additional Insured’s
  • Ability to Follow Form primary Non-Contributory, Blanket Additional Iinsured’s, Blanket waiver of Subrogation
  • Follow Form Professional on limited “BOP” classes when written on an occurrence form
  • Project  Specific Excess

Other Coverage Parts Available

  • Complete Accord umbrella application
  • Supplemental applications as required by the primary carriers.
  • Underlying limits, Premium and terms & conditions. (Liability premium only on primary auto liability policies)
  • Breakdown of primary auto liability exposure by radius, type, & size of vehicles.
  • 5 Year loss summary
  • Expiring pricing if available
  • Target Pricing
  • Primary carrier must have an A.M. Best Rating of B++ VII or better
  • Minimum underlying limits:
    • G/L 1MIL / 2MIL
    • A/L 1MIL CSL
    • EL 500/500/500
    • LL 1MIL
    • Employee Benefits – 1MIL
    • Garage 1MIL / 1MIL

Target Classes

  • Habitation
    • Condominiums
    • Dwellings
    • Commercial Real Estate Development
    • Townhouses or Similar Associations
    • Parking Structures
  • Restaurant / Bar & Tavern
  • Special Events
  • Nightclubs
  • Hospitality – Hotels/Motels
  • Specialty Auto:
    • Non Emergency Medical Transport
    • Airport Livery, Shuttle Buses
    • Garbage Hauling (Non-Hazmat)
    • Beverage Distributors
    • Scrap Metal Dealers, Salvage Yards
    • Moving & Storage
    • Sand & Gravel Hauling
    • Concrete Mixed in Transit
    • Wholesale Distributor
    • Tow Trucks
  • Garage Liability
    • Sales of New and used Auto’s, Trucks, Heavy Truck tractors, Motorcycles, RV’s Contractors equipment
    • Service and Repair of the above
    • Tire Dealers
    • Valet Parking
    • Drive – Away Contractors
  • Mercantile
  • Manufacturing (Light & Medium Hazard)
  • Contracting –No abatement or remediation
    • Carpentry / Drywall Installation
    • Demolition / Wrecking (Under 5 stories)
    • Electrical
    • Excavation & Grading
    • Fire Suppression Contractors
    • General Contractors (Up to 100% paper)
    • Commercial and Residential
    • Painting
    • Roofing (Residential & Commercial)
    • Sewer / Water Main Construction
    • Street & Road Construction
    • Carpentry
    • Alarm Installation – No Monitoring
    • Designated Projects
    • Janitorial Services
    • Pre-Fab Building Erection
    • Sandblasting
    • Sheet Metal Work
    • HVAC Contractors
    • Sign Erection