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Excess Casualty

  • Total capacity: $100M on renewals and $75M on new split

    • Lead coverage up to $25M limit; limit offered will depend on class of business and individual account characteristics
    • Mid Excess – coverage up to $25M limit excess of a minimum of $10M and must not be the first risk transfer layer
    • Cat Excess – coverage up to $75M limit with a minimum attachment of $100M, typically in the top one-third of the tower
    • SME Excess – lead coverage up to $10M limit for companies with revenues up to $25M
    • Lex London – lead, Mid Excess, and Cat Excess coverage offered to U.S. clients seeking access through the London market

Underwriting Appetite:

  • Broad underwriting appetite with flexibility in attachment, limit, and form

  • Coordination of capacity between U.S., Bermuda, and Lex London

  • Classes of business – broad appetite other than pharmaceuticals, invasive medical products, residential construction, NY construction attaching below $25M, and low attaching trucking or residential real estate business

Claims:

  • Expert claims team – Excess Casualty’s Claims is comprised of specialists, of which 70% are attorneys with an average 20 years of claims experience

  • Dedicated claims units focusing on high severity claims for Complex, Divisional and Fast Class, Mass Tort, and Construction Defect

  • CrisisResponse®, a built in enhancement to Excess Casualty’s commercial umbrella liability policy, provides policyholders first-dollar coverage and the professional expertise to respond effectively, helping to minimize ultimate damages in a casualty crisis

  • Nationwide legal support – our Panel Counsel program gives us access to elite defense attorneys at negotiated rates in every state; lets us implement solutions with adherence to any local nuances and regulations

Client Risk Solutions:

  • Industry expertise – in-house risk engineers and consultants help insureds navigate risk solutions for the exposures and areas of coverage most important to them

  • The power of analytics – claims analysis and industry benchmarking to determine potential claims drivers and help insured prepare for current and future loss trends

  • Differentiating exposure analysis – an in-depth look at the risks and liabilities posed by an insured’s products and services, including premises, terrorism and general security, product liability, worker safety, emerging risks, and more