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Commercial Umbrella & Excess Liability

Commercial Umbrella & Excess Liability

In tough economic times, it can be tempting for a business to forego excess casualty insurance. But when disaster strikes, it can be left devastated by insufficient coverage. Our ever-changing world constantly creates new liability, making businesses more vulnerable than ever to claims and lawsuits.

We can provide coverage in both a lead and excess position over approved underlying carriers.

Target classes include:

  • Construction - commercial & residential
  • Wholesale/retail
  • Service
  • Commercial and habitational real estate
  • Municipalities (including public officials and police professional)
  • School districts (including school board legal)
  • Engineering services
  • Manufacturing
  • Golf courses
  • Most small business operations

Coverage is written through an affiliated A.M. Best "A" or better company

In order to obtain a quote, we will need the following:

  • An Acord Umbrella and GL application. Make sure to include all underlying policy information INCLUDING underlying policy premiums.
  • Five year loss runs
  • Exposure basis information - gross receipts, payroll, etc., number of vehicles by type, size, use and radius
  • Description of operations


In an Inland Marine Rut?

Consider These Lesser Known Inland Marine Classes

We're a great market for the following:

Inland Marine
  • Dealers/Equipment Dealers Coverage - Coverage for equipment that is the insured's property or the property of others, which is being held in custody or control for sale, display, demonstration, storage, service repairs, etc.
    • Dealers - Named personal property, including its accessories, attached or otherwise. For dealers of property other than that specifically listed for equipment dealers (see below), such as golf carts, snow mobiles or farm equipment.
    • Equipment Dealers - Mobile equipment such as bulldozers, road scrapers, non-road use tractors, all terrain vehicles (ATV), forklifts, backhoes, pneumatic tools, pumps, industrial motors...and many more.
  • Miscellaneous Property Floater - Coverage for a wide range of risks, including those that don't seem to fit anywhere else.
    • Marketing or sales representative's demonstration equipment, such as mobile devices, samples, etc.
    • ATM machines
    • Concession trailers
    • Mobile movie theatres
    • Videography and photography equipment
    • Wind turbines
    • Show or race cars
    • Band equipment, accessories and merchandise
  • All Risks Transportation Floater - Coverage for owned goods being shipped by truck, air or rail.

Coverage is written through an affiliated A.M. Best "A" or better company

Summer is the Season for Anti-Aging Accounts

Summer is the Season for Anti-Aging Accounts

Anti-aging products and procedures are never more in demand than in summer, when rising temps cause folks to don lighter clothing.

We want to be your Professional Liability & General Liability market for medi-spas and all types of anti-aging products and procedures performed by medical and non-medical practitioners alike.

Products & Procedures:

  • Botox injections
  • Self-tanning lotions
  • Sun screen lotions
  • Chemical peels
  • Dermal fillers (collagen, restylane, silicone)
  • Laser skin treatments (laser hair removal, IPL, acne blue light)
  • Massage therapy
  • Cellulite treatment
  • Mesotherapy
  • Microdermabrasion
  • Micropigmentation
  • Sclerotheraphy


  • Physicians
  • Physicians assistants
  • Nurse practitioners
  • Registered nurses
  • Aestheticians
  • Laser technicians

Coverage is written through an affiliated A.M. Best "A" or better company

Contact Us For an Application or with Any Questions!

Let Us Tune Up Your Garage Coverage

Let Us Tune Up Your Garage Coverage

For a business with a garage exposure, it can be challenging to find a good, reliable insurance market that understands its unique insurance needs. When faced with a claim or lawsuit, a business with a garage exposure doesn't want to be caught with wrong or insufficient liability coverage.

Target Classes:

  • Repair/service centers - motorcycle, mobile, large truck, RV
  • Truck trailer service
  • Mobile detail shops
  • Stereo sales & installation
  • Tire dealers (no retreads/split rims)
  • Valet service operation
  • Paint & body shop
  • Towing (Premises only)
  • Classic car restoration
  • Handicap lift installation (prior coverage required)
  • Non-franchised used car dealers
  • Harley Davidson sales & service


  • Garage Liability
  • General Liability
  • Auto Liability
  • Property
  • Physical Damage
  • Garage Keepers Liability
  • Package policies may be offered based on the individual account

Limits of Liability:

  • Garage Liability - $1 MIL/$1 MIL/$3 MIL
  • Garage Keepers - $3 MIL per location
  • Dealers Open Lot (stand alone) - up to $3 MIL/location
  • Excess available up to $5 MIL

Coverage is written through an affiliated A.M. Best "A" or better company

Need a quote? We'll get it to you fast!

Check out our website or give us a call for an application today!