EXCESS CASUALTY

Excess

What Does Our Policy Offer?

  • Limits: Lead $5ml over Verus primary coverages
  • Underlying Coverages: AL, GL, EL
  • Form: Follow Form Excess
  • Minimum Premium: $750 MP per layer
  • A.M. Best Rating: A+ XV

Contracting/ Construction Risks

Industrial, Commercial, Residential/Premises Installation, Service, Repair
INDUSTRIAL/SEVERITY DRIVEN
  • Air Conditioning & Heating Systems
  • Boiler
  • Conduit Construction
  • Demolition (no explosives/wrecking balls)
  • Electrical Apparatus & Wiring
  • Fire Sprinklers
  • Insulation Work
  • Machinery or Equipment
  • Machine Shops
  • Metal Erection/Sign Erection
  • Painting/Sand Blasting - Towers & Tanks
  • Plumbing
  • Salvage Operations
  • Street & Road Contractors (no bridge or overpass work)
  • Tower Erection, including cell phone towers
  • Utility Contractors - cable, sewer, water, power lines, gas lines

PRODUCT DRIVEN RISKS

CONSUMER PRODUCTS
  • Appliances
  • Auto Parts (no brakes, airbags, safety belts, high performance car parts, tires)
  • Boats - non-powered, canoes, kayaks, paddleboats, rowboats
  • Chemicals (Health hazard of 2 or less)
  • Clothing
  • Cookware
  • Cosmetic/Beauty/Toiletries
  • Electrical Equipment/Electronics
  • Food/Beverage (no liquor)
  • Furniture/Home Decor
  • Hand tools/Hardware
  • Medical Goods/Therapeutic Products
  • But we avoid: Baby products, most toys, bikes, motorized vehicles, pharmaceuticals, nutraceuticals, dietary supplements, sports drinks, extreme sporting equipment, guns, ammunition, fertilizer, consumer power equipment, helmets, contact sports equipment

Premises/Operations

Low frequency/low to moderate severity
MONOLINE
  • Lessors Risk (shopping centers, office buildings)
  • Mercantile Risks
  • Warehouses
  • Real Estate Development Property
  • Vacant Land (owner's interest)
  • Restaurants

Product Driven Risks

Manufacturer, Assembler, Importer, Distributor, Manufacturer's Representatives
INDUSTRIAL/NON-CONSUMER PRODUCTS
  • Boiler
  • Battery
  • Electroplating
  • Chemicals
  • Contractors Equipment/Parts
  • Conveyor/Material Handling Equipment
  • Electrical Equipment
  • Heating Equipment (no LPG)
  • Instrument or Analytical Equipment
  • Signs
  • Tanks
  • Telecommunication Equipment
  • Trailers
  • Truck Equipment/Parts
  • Machinery Equipment & Parts - Industrial & Farm
  • Plumbing Supplies & Fixtures
  • Pipes or Tubes
  • Valves
  • Wire Rope or Cable
  • Hostile Fire included in Pollution Exclusion

COMMERCIAL/RESIDENTIAL CONSTRUCTION

  • Commercial General Contractors
  • Commercial Construction Managers
  • Land Developers - Commercial & Residential
  • Residential Artisan Contractors - Some limitations apply to new residential construction; Robust appetite for renovation and repair work
  • Residential General Contractors/Home Builders - Some limitations may apply in CD states

Our Casualty Underwriting Team

| a Berkley Company