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| Umbrella /
Excess Markets With the severe hardening of the insurance marketplace, carriers & reinsurers are limiting their capacity on many programs and classes of business. We have a number of carriers that are willing to write your umbrella / excess liability exposures. Outlined below are a few carriers that we work with. Scottsdale / National Casualty - Min premium $2,500 first MM, $1500 each additional. If over Scottsdale primary, $1500 / $1000. Will write most classes including truckers under 300 mile radius. No Residential GC's. 20,000,000 capacity Firemans Fund - Minimum Premium $1,000. Likes Habitational / Mixed mercantile, OL&T risks, smaller artisans, $3,000,000 in sales and less…Restaurants with 25% or less liquor, Manufacturers. NO heavy products, medical related classes or truckers. 50,000,000 capacity Essex Insurance - Min premium $2,500 first MM, $1500 each additional. Will write GC's with 5MM in sales or less. NO auto driven exposures(10 or more units). 5,000,000 capacity United National / Diamond State - Minimum premium $5,000. Writes most classes. No residential contractors and NO trucking. 10,000,000 capacity National Union - 10MM in house binding authority for small artisan contractors with $5,000,000 in sales or less, habitational / mixed mercantile. No GC's. Gulf - No truckers. Likes artisan type risks. 25,000,000 capacity. Lexington - Minimum Premium $25,000, No Residential GC's 20,000,000 capacity Underlying Insurer Requirements
Submission Requirements - a fully completed submission upfront gets the carrier to take notice a lot quicker and gets you and your client the terms you need. Checkout the following link for what would be deemed a fully completed submission. |
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