General Star offers binding authority capability on a non-admitted basis for excess follow form liability over primary General Liability, Auto Liability, & Liquor Liability coverages. Coverage is written through designated surplus lines brokers

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)
• Eligible state territorial authority as defined in the Producer Agreement Contract
• 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
• 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)

Pricing

• Minimum premiums (all states):
• $750 per million net of TRIA
• Maximum policy premium (all states):
• $5,000 (1MxP net of TRIA)
• $5,000 (2MxP net of TRIA)
• $6,000 (3MxP net of TRIA)
• $8,000 (4MxP net of TRIA)
• $10,000 (5MxP net of TRIA)

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. Fleet to include 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 30% or less of total annual insured receipts