Excess & Umbrella

Excess and umbrella liability written over qualifying primary carriers and limits.

About Our Agency

For over 35 years, we have been offfering outstanding products and programs through stable, competitive markets. We are committed to supporting your marketing efforts with fast, fair, friendly, and efficient service. We'd like to hear from you!

Underlying Limit Requirements:

General Liability

  • $1,000,000 Each Occurrence
  • $1,000,000 Personal & Advertising Injury
  • $1,000,000 Products/Completed Operations Aggregate
  • $2,000,000 General Aggregate

Auto Liability

  • $1,000,000 Each Accident

Employers Liability

  • $100,000 Each Accident (by accident)
  • $500,000 Policy Limit (by disease)
  • $100,000 Each Employee (by disease)

Professional Liability or Other Coverages

  • $1,000,000 Each Occurrence
  • $1,000,000 Aggregate (when applicable)

Primary carriers must have a current AM Best Key Rating of B+V or better

Primary coverages written with a sublimit less than $1,000,000 will be excluded

Prohibited Business

  • Long haul trucking
  • Nursing homes
  • Physicians, surgeons, psychiatrists, nurses, paramedics, hospital and lawyers professional
  • Aircraft products
  • Mold remediation
  • Animal feed manufacturers
  • Products recall
  • Blood banks
  • Chemical manufacturing
  • Gas & Electric generating utilities
  • Mining, manufacture, handling, use, distribution, sale or removal of asbestos
  • Environmental impairment liability
  • Hauling of hazardous cargo
  • Fireworks manufacturing
  • Tobacco product sales, manufacture or distribution
  • Nutritional supplement distribution or manufacturing
Effective Date: 03/07/2014