Lexington Casualty

Lexington Insurance is AIG’s Excess & Surplus Line carrier providing flexible (E&S) insurance solutions for small, middle-market and large commercial enterprises.  For over 50 years, Lexington has been a leader in the E&S market providing a broad appetite to casualty risk and of underwriting expertise, deep industry knowledge, specialized risk management and loss control benefits, and dedicated claims handling services.

What is Lexington Casualty?


  • Lexington Insurance Company paper.
  • Guaranteed Cost.
  • Small Deductibles with no collateral requirements.
  • Self Insured Retentions for accounts with higher frequency.
  • Umbrella, follow form and retained amount forms available on an excess basis.


  • Up to $5 million in limits available on Primary General Liability (GL) policies.
  • $5 million - $10m limits desired on lead umbrella.
  • Up to $25 million limit available for mid and high excess at appropriate attachment.

Minimum Premiums

  • $25,000 for most classes.
  • Railroad Protective minimum premium is $4,500.

The Lexington Advantage

Strength and Experience

  • Lexington Insurance is the largest U.S.- based Excess & Surplus Lines Insurance carrier.
  • Lexington has been providing innovative insurance solutions for over 50 year to companies and organizations of all sizes – from Fortune 100 corporations to small and middle market entities. 

Coverage Flexibility

  • Broad, non-admitted underwriting capabilities that provide its clients with exceptional flexibility of rate and form across a wide range of exposures. Clients also benefit from ready access to the market-leading products and services of AIG.

Strategy and Focus

  • In 2019, Lexington transformed its distribution strategy by focusing on placing business through  wholesale brokers for the majority of its casualty lines.
  • There is a renewed focus on middle market casualty business.  Over half of the new business written in 2019 was middle market, and underwriters have tools to respond quickly. 


  • Lexington has an experienced claims team to draw on local, first-hand knowledge of risks and provide dedicated resources to ensure consistency of claims handling, effective account stewardship and winning claims strategies. 

Industry Leading Examples

  • New business premium, up 15% through May 2020 Year-To-Date (YTD).
  • Over half of new business submission written through May 2020 YTD are sub-$100,000 middle market accounts.
  • 50% increase in new Mid-Excess policy count over previous year, reflective of diverse attachment point capabilities.
  • Submission activity up 40% over previous year through May 2020 YTD.
  • Expanded geographical footprint servicing the wholesale market increased Lexington new business in 2019.
  • New business includes the following industries: plastics manufacturing, restaurants & bars, food & beverage, mining, real estate managers, hospitality, equipment rental, infrastructure projects, transportation, rail, oil & gas, and utilities.

National Leadership

Neil Smallcombe

Head of Casualty Lexington Insurance

Downloadable Materials