Our Excess and Umbrella Division offers products on both a lead and excess position over approved underlying carriers. We offer coverage on both an admitted and non-admitted basis in various risk areas.

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Coverages and Underwriting Information Required

Municipalities Supplemental App

School Board Supplemental App

Excess & Umbrella Brochure

Coverages and Underwriting Information Required [Return to Menu]

Issuing Carriers: AM Best Rated A - non-admitted and admitted capabilities

Markel American Insurance Company
Evanston Insurance Company
Markel Insurance Company
Essex Insurance Company

Capacity: $10,000,000

Minimum Premium per Million: $1,000 depending on hazard group and attachment point

Targeted Classes of Business:

• Construction:
• Commercial Contractors
• Industrial Contractors
• Residential General Contractors / Developers / Owners and Non-Structural Residential Trade Contractors
• Commercial and Residential Wrap-Ups, OCP's, Project Specific Risk and Practice Policies
• Manufacturing - All Except:
• Invasive Medical Products
• Chemical Blending and Manufacturing (other than household cleaners)
• Pharmaceuticals and Nutraceuticals
• Truss Manufacturers
• Critical Auto Parts
• Aircraft Parts
• Tobacco Products
• Firearms and Explosives
• Wholesale
• Retail
• Service (no security firms or nursing homes)
• Commercial and Habitational Real Estate
• Municipalities (including Public Officials and Police Professional) 
• School Districts (including school board legal) 

Underlying Requirements

• GL must be rated A- VI or better with limits of $1M / 2M minimum
• AL must be rated A- VI or better with limits of $1M CSL minimum
  
• EL must be rated B+ VI or better with limits of $500/500/500 minimum

Underwriting Information Required

• Signed Accord and Supplemental Applications (if applicable)
• Five Years Currently Valued Loss Information
• Subcontractor's Agreement (if applicable)
• Underlying Quote with Terms and Conditions
• Suggested Target Limit and Premium