Excess & Umbrella Casualty Through Core Specialty
Claims made or occurrence. Creative, flexible excess solutions with a strong emphasis on responsiveness — written on paper rated A (Excellent) XIII by A.M. Best.
$5M
Capacity in a lead excess attachment point
$10M
Capacity in a high excess attachment point
A XIII
A.M. Best rating (Excellent)
50
States — admitted and non-admitted paper
Target Classes of Business
The excess/umbrella layer is often the final piece of the casualty program. We place it quickly for the industries we serve every day — contractors, real estate, hospitality, restaurants and distribution.
- +Commercial construction and trade contractors
- +Real estate: dwellings, vacant land, LRO schedules
- +Homeowner and townhome associations
- +Hospitality and hotels
- +Family style and fast-food restaurants
- +Manufacturing and distribution
- +Retail and mercantile
- +Service providers
- +Garage and auto dealers
- +Farms and food processing
Market Segments
E&S
Lead and excess placements for lighter E&S classes.
Small Business
Competitive minimum premiums with exceptional service.
Mid-Market
For insureds with up to $500 million in annual revenues.
Program Excess Support
Useful capacity solutions for MGA clients.
ESCAPE — Fast Quote to Bind
For smaller accounts, the ESCAPE platform delivers a fast, cost-effective quote-to-bind-to-issue process backed by experienced underwriters.
Platform Highlights
- +Available 24/7 from anywhere with internet access
- +Coverage in all 50 states on admitted and non-admitted paper
- +Live chat with experienced ESCAPE underwriters
- +Over 600 GL class codes available
- +Umbrella, first excess and high excess limits of $1M – $5M
- +High excess available within the first $25M (excluding primary limits)
Maximum Exposures
- Payroll
- $5 million
- Revenue
- $15 million
- Revenue — contractors
- $5 million
- Land
- 10,000 acres
- Real estate
- 1.5 million sq ft
- Dwellings
- 300
- Vehicle fleet
- 25 total, max 10 extra-heavy trucks
Competitive Minimum Premiums
Indicative ESCAPE minimum premiums. Final pricing is subject to underwriting and guidelines are subject to change.
| Segment | First Million | Additional Layer |
|---|---|---|
| Real estate — low hazard | $950 | $840 |
| Real estate — medium hazard | $1,170 | $1,030 |
| Low hazard (other) | $1,190 | $1,000 |
| Medium hazard (other) | $1,460 | $1,240 |
| Hotels & motels | $1,520 | $1,400 |
Restrictions & General Dislikes
We would rather see a submission than miss the opportunity — if your risk falls outside these guidelines, send it over and we will review it.
- –Contractors (commercial or residential): not available in AR, CO, HI, NY, SC
- –Contractors (residential): not available in AZ, CA, FL, NV, OR, TX, WA
- –No ground up or structural residential construction in any state
- –Use of cranes available up to six stories
- –No trucking, livery, courier or logistics
- –No energy, refinery, pipeline or over-the-hole risks
- –No restaurants with liquor
- –No nursing homes or assisted living
- –No pharma, nutraceuticals, chemicals or medical products
- –No dams, levees or railroad
- –No logging, internet retail or THC tenants for LRO