Commercial Excess Liability

Policy Highlights

Follow form Excess Liability 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

$5,000,000 Excess Liability Limits
Excess Liability within First $5,000,000

Minimum Premium

MP Low Hazard – Excess GL Only – $2,000
MP Low Hazard – Excess GL & AL – $2,500
MP Per Million Layer – $1,500

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

Submission Requirements

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 A-VI or better
Minimum underlying limits:
- G/L 1MIL / 2MIL
- A/L 1MIL CSL
- EL 500/500/500
- Employee Benefits – 1MIL
- Garage 1MIL / 3MIL

Target Classes

Habitation
- Condominiums
- Dwellings
- Commercial Real Estate Development
- Townhouses or Similar Associations
- Parking Structures
Restaurant / Bar & Tavern
Hospitality – Hotels/Motels
Beverage Distributors
Scrap Metal Dealers, Salvage Yards
Wholesale Distributor
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

Excluded Classes