EXCESS AND UMBRELLA LIABILITY INSURANCE
SPECIALTY INSURANCE THAT CAN HELP CLIENTS CONFIDENTLY NAVIGATE LARGE LOSSES
When working with challenging risks—like new ventures or those with poor loss history—securing cost-effective, customizable Excess and Umbrella Liability Insurance for these clients can be difficult. Let DeCotis step in. We use our binding authority with Lloyd’s and other highly rated markets (AM Best B++ Rated minimum) to help agents secure surplus lines solutions for Excess General, Auto, Professional, and Management Liability.
Target Classes
FOR VARIOUS BUSINESSES AND PROFESSIONALS
We provide our agency partners with access to specialty insurance options to protect clients with complex liability exposures, including but not limited to:
- Contractors and construction companies
- Retailers, wholesalers, importers, manufacturers, and distributers
- Commercial property owners
- Real estate developers
- Hospitality and entertainment operations
- Transportation, trucking, and logistics companies
- Miscellaneous professional services, including Allied health care professionals
- Nonprofits (D&O and EPLI)
- Social services
- Automotive businesses with challenging underwriting characteristics, e.g., non-renewed, poor loss history, new ventures, or high-risk operations
Coverage Options
DeCotis offers various surplus lines solutions to help agents meet their clients’ Excess Liability and Umbrella Insurance requirements.
- Excess General Liability
- Excess Professional and Management Liability including follow form Excess Errors and Omissions, Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability
- Excess Auto Liability designed for small-to-midsize automotive businesses and companies that service vehicles left in their custody
Product Highlights
To read more product highlights, please download and save the coverage sheet.
- Limits up to $10 million in capacity (higher limits available on a layered basis)
- Follow Form Excess policy over Occurrence or Claims-Made forms
- Excess over General Liability, Auto Liability, Errors and Omissions, Employee Benefits Liability, and Employers Liability
- Supported or unsupported basis at a lead, buffer, or high attachment point
SUBMISSION REQUIREMENTS
Download the application that best suits your clients’ needs and provide three years of loss runs and any additional relevant information. Send the application to: Quotes@DeCotis.com.
GETTING AN EXCESS AND UMBRELLA LIABILITY INSURANCE QUOTE IS SIMPLE
Select one of the following options to request a quote for your clients’ specialty insurance needs:
States where
we do business
States where we do business
- Connecticut
- Delaware
- Maine
- Maryland
- Massachusetts
- New Hampshire
- New Jersey
- New York
- Pennsylvania
- Rhode Island
- Vermont
- District of Columbia
- Florida
- Georgia
- North Carolina
- South Carolina
- Virginia
- Arizona
- Colorado
- New Mexico
- Oklahoma
- Texas
CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES
Your commercial clients may also require these products.
General Liability Insurance
Minimizes what a business may have to pay out of pocket for third-party claims such as bodily injury, property damage, libel and slander, and personal advertising injury.
Miscellaneous Errors and Omissions Insurance
Provides professionals with financial protection against the costs of lawsuits and damages resulting from customer allegations of inadequate work, failure to perform an expected service, and more.
Does DeCotis Deliver? Hear From Our Agency Partners.
THE POWER OF CHOOSING DECOTIS
- Access to AM Best A-Rated Carriers
- Fast Online or Phone Quoting Options
- Expertise in Hard-to-Place Risks
- Customized Coverage Solutions for Industries and Accounts that Need Creative Surplus Lines Solutions
- Flexible Limits and Endorsements to Meet Specific Contractual or Industry Requirements