What Does Our Policy Offer?
- Limits: Lead $5ml over Verus primary coverages
- Underlying Coverages: AL, GL, EL
- Form: Follow Form Excess
- Minimum Premium: $750 MP per layer
- A.M. Best Rating: A+ XV
Contracting/ Construction Risks
Industrial, Commercial, Residential/Premises Installation, Service, Repair
INDUSTRIAL/SEVERITY DRIVEN
- Air Conditioning & Heating Systems
- Boiler
- Conduit Construction
- Demolition (no explosives/wrecking balls)
- Electrical Apparatus & Wiring
- Fire Sprinklers
- Insulation Work
- Machinery or Equipment
- Machine Shops
- Metal Erection/Sign Erection
- Painting/Sand Blasting - Towers & Tanks
- Plumbing
- Salvage Operations
- Street & Road Contractors (no bridge or overpass work)
- Tower Erection, including cell phone towers
- Utility Contractors - cable, sewer, water, power lines, gas lines
PRODUCT DRIVEN RISKS
CONSUMER PRODUCTS
- Appliances
- Auto Parts (no brakes, airbags, safety belts, high performance car parts, tires)
- Boats - non-powered, canoes, kayaks, paddleboats, rowboats
- Chemicals (Health hazard of 2 or less)
- Clothing
- Cookware
- Cosmetic/Beauty/Toiletries
- Electrical Equipment/Electronics
- Food/Beverage (no liquor)
- Furniture/Home Decor
- Hand tools/Hardware
- Medical Goods/Therapeutic Products
- But we avoid: Baby products, most toys, bikes, motorized vehicles, pharmaceuticals, nutraceuticals, dietary supplements, sports drinks, extreme sporting equipment, guns, ammunition, fertilizer, consumer power equipment, helmets, contact sports equipment
Premises/Operations
Low frequency/low to moderate severity
MONOLINE
- Lessors Risk (shopping centers, office buildings)
- Mercantile Risks
- Warehouses
- Real Estate Development Property
- Vacant Land (owner's interest)
- Restaurants
Product Driven Risks
Manufacturer, Assembler, Importer, Distributor, Manufacturer's Representatives
INDUSTRIAL/NON-CONSUMER PRODUCTS
- Boiler
- Battery
- Electroplating
- Chemicals
- Contractors Equipment/Parts
- Conveyor/Material Handling Equipment
- Electrical Equipment
- Heating Equipment (no LPG)
- Instrument or Analytical Equipment
- Signs
- Tanks
- Telecommunication Equipment
- Trailers
- Truck Equipment/Parts
- Machinery Equipment & Parts - Industrial & Farm
- Plumbing Supplies & Fixtures
- Pipes or Tubes
- Valves
- Wire Rope or Cable
- Hostile Fire included in Pollution Exclusion
COMMERCIAL/RESIDENTIAL CONSTRUCTION
- Commercial General Contractors
- Commercial Construction Managers
- Land Developers - Commercial & Residential
- Residential Artisan Contractors - Some limitations apply to new residential construction; Robust appetite for renovation and repair work
- Residential General Contractors/Home Builders - Some limitations may apply in CD states