E&S CASUALTY KEY FACTS

Product Offering and Capacity
• Up to 2/4/4 General Liability
• Up to $10M Excess Liability

 Coverage Features
• ISO coverage forms
• Occurrence and claims-made
• Liquor liability available in most states
• Industry specific coverage enhancements
• Guaranteed cost, deductibles, and SIR’s

Minimum Premiums
Minimum premiums vary by class of business and
individual risk, general minimums are:
• $15,000 for General Liability
• $10,000 for Excess

Distribution
Products are available exclusively through the wholesale
channel with a limited distribution model

Risk Appetite
Contractors – Practice and Project-Specific
• Commercial – Mercantile, office, schools,
hospitals,hotels
• Industrial – Manufacturing, utilities, water treatment
• Infrastructure – Street/Road, sewer/water
• Residential – Apartments, custom homes
• Service – Fire suppression, janitorial, snow removal

General contractors and a wide range
of specialty trades:
• Carpentry
• Concrete
• Conduits
• Demolition
• Electrical
• Excavation and grading
• HVAC
• Plumbing
• Roofing
• Steel erection

Manufacturing and Distribution
• Construction equipment
• Cosmetics
• Electrical Equipment
• Food and beverage
• Industrial machinery
• Material handling
• Metal goods
• Safety products
• Tanks and pressure vessels
• Wire rope

Hospitality
• Restaurants and chains
• Bars and taverns
• Hotels and motels
• Banquet halls
• Country clubs
• Amusement venues

Premises-Related
• Commercial LRO
• Retail stores
• Shopping centers
• Warehouses
• Office buildings
• Mercantile
• Industrial parks
• Vacant land