Umbrella & Excess Liability
Great American Professional Risk Insurance Services specializes in umbrella and excess liability products that meet the needs of the commercial market. Our policyholders range in size from medium-sized businesses to complex multi-national corporations, with a focus on Fortune 1000 accounts.
Our experienced underwriting staff has a comprehensive knowledge of liability hazards, emerging trends, structured pricing, and familiarity with forms and coverage requirements. Focused on long-term relationships with clients and brokers, we listen to our clients’ insurance needs and work with them to satisfy their special capacity requests.
Specialized Coverage Products
- Excess capacity over a qualified Self-Insured Retention (SIR) program, captives and risk retention groups
- Absolute aggregate limit on SIR with special considerations
- Long-term construction projects
- Named peril and time element pollution
- Occurrence reported coverage
Standard Policy Coverages
Umbrella Liability
- Automatic coverage for new entities
- Contractual coverage included
- Broad insured definition
- Broad property damage coverage
- Broad definition of bodily and personal injury
- Worldwide Protection
Excess Liability
- Follow form coverage
- Written as excess over primary or umbrella
- Defense costs provided in addition to limits
- Admitted coverage in all 50 states and D.C. with ability to provide non-admitted coverage as needed