Coverage Offered
- Excess Commercial General Liability
- Excess Products and Completed Operations Liability
- Excess Automobile Liability
- Excess Liquor Liability
- Occurrence and Claims-Made forms available
- Many custom coverages and extensions for specialty classes of business including:
- Miscellaneous Professional Liability
- Sex Abuse coverage
Limits
- Maximum Limit is $10,000,000 in house, depending on class of business. Additional limits available with Facultative support
- Attachment within the lead $25,000,000
- Abuse/Molestation coverage is limited to $1,000,000 when underlying is written on an occurrence basis. Can offer up to $5,000,000 in limits when underlying is written on a claim made form
Minimum Attachment Points
- $1,000,000/$1,000,000/$1,000,000/$1,000,000 on General Liability
- $1,000,000 Combines Single Limit on Auto Liability (when placing $1,000,000 in coverage or more)
- $1,000,000/$2,000,000 for Professional Liability
- $250,000 on Auto Liability buffers (Difference to $1,000,000 csl)
- $1,000,000/$1,000,000 on Liquor Liability (May consider $500,000 x $500,000 buffer layer)
Minimum Premiums
- $5,000 minimum premium per policy.
- Policies are subject to a $2,000 minimum premium per Million in limits
Submission Requirements
-
Complete and signed ACORD application
- Specialized supplemental application is required if seeking Abuse and Molestation coverage.
- Breakout of all exposures (i.e., Gross sales, auto fleet)
- Underlying carriers must have an AM Best rating of A-V or better
- 5 years of currently valued loss runs
Coverage Forms Available
- Commercial Excess Liability
- Follow Form with Limited Exclusions
- Commercial Umbrella Liability
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Risk Appetite
Auto Liability
May consider up to $10,000,000 on certain risks. May also consider buffer layers on certain AL classes.
- Petroleum Products Haulers
- School Buses
- Transit Buses
- Waste Haulers
- Contractors' Fleets
- Ambulances/Ambulettes
- Para Transit
- Social Service Fleets
- Truckers
- Moving & Storage
- Airport Shuttles
- Limos/Taxis (No Independent Owners)
- Certain H&NO (i.e., Pizza Delivery)
GL, Products, Professional:
May consider up to $10MM on certain classes / risks.
- Social Services
- Schools
- Products - Including Medical
- Automobile Mfg.
- Pharmaceutical Mfg.
- Clinical Trials
- Ambulance Service (Must quote AL too)
- Valet Parking Service
- Municipalities
- Restaurants / Saloons / Nightclubs
- Religious Institutions
- Manufacturers of Machine Parts, Auto Parts, Etc.
- Cosmetics Mfg.
- Summer Camps
- Hotels
- LRO
- Health Clubs
- Carnivals
- Certain Contracting and OCP Risks
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