The Excess GL/AL Follow Form product is a specialty product made available to uniquely qualified wholesale clients who have previously obtained a Contract Division appointment. This excess product is a valued supplement to the Primary GL, Property and Auto Hired & Non-Owned products available to our wholesale clients from our Contract Division.

Coverage/Limits/Capacity

• Up to $5,000,000 in excess limits available within producer's authorized state territory
• Up to $1,000,000 in excess limits available in FL, LA, NH, VT, & WV as a result of UM/UIM requirements (ONLY if AL is applicable on an account)

Risk Appetite

• Designated ISO Table 1 or 2 commercial OL&T risks
• Producer must have primary General Liability binding authority with an approved underlying GL carrier AND must quote primary General Liability coverage with an approved primary GL carrier for a risk to be eligible for excess consideration
• Producer must have primary Liquor Liability binding authority with an approved underlying LL carrier AND must quote primary Liquor Liability coverage with an approved primary LL carrier for a risk to be eligible for excess consideration (if liquor liability is applicable on an account)
• Primary coverage for any other applicable lines of business (i.e. AL or EL) must be placed with an underlying carrier having at least a Best's rating of A-, V or better
• Hired/Nonowned Auto Liability eligible as part of approved underlying GL coverage provided underlying HNO coverage is at minimum required underlying GL limits ($1MM)
• Excess limits NOT intended to attach over any coverage that is sublimited by the primary carrier
• Monoline Auto Liability NOT eligible
• Monoline Liquor Liability NOT eligible
• Monoline Employers Liaibility NOT eligible
• Underlying policies must be concurrent with Excess Follow Form policy

Underlying Requirements

• Minimum underlying limits of liability for an eligible risk:
• $1,000,000/$2,000,000/$1,000,000 (General Liability)
• $1,000,000 CSL (Auto Liability)
• $1,000,000/$1,000,000 (Liquor Liability)
• $500k/$500k/$500k (Employers Liability)
• Click here for list of underlying carriers
close


Underlying Carrier Criteria:

American Empire Insurance Company Atlantic Casualty Insurance Company American Modern Home American Western Home Burlington Insurance Company Capitol Specialty Insurance Company Capitol Indemnity Corporation Castlepoint Insurance Company Catlin Specialty Century Surety Insurance Company Colony Insurance Company Essex Insurance Company Founders Insurance Company General Star Indemnity (all states except CT) General Star National (CT Only)

Leading Insurance Group Insurance Co. Max Specialty Maxum Specialty Nautilus Insurance Company Northfield Insurance Company North Star Mutual Insurance Co. Nova Casualty Company Penn America Public Service Mutual Scottsdale Insurance Company Tower Insurance Co. of New York Western Heritage Western World USLI

Exposure Criteria

• New businesses are eligible
• No more than five (5) insured premises locations per risk
• No more than five (5) insured owned vehicles per risk. Eligible Auto expsoures are: private passenger autos, light trucks, and/or vans (less than 15 passenger capacity) only operating over a local radius
• Liquor receipts (if applicable) must be 60% or less of total annual insured receipts