The umbrella and excess liability unit underwrites surplus lines insurance through contracted wholesale brokers.This underwriting unit provides capacity when it is not available in the standard market.

We focus on unique and difficult-to-place excess accounts on a brokerage basis. We underwrite individual risks and price each on its own merits.


  • Umbrella Liability
  • Excess Commercial Auto Liability
  • Excess Commercial General Liability
  • Excess Professional Liability including Nursing Homes and Allied Medical Risks

We quote excess limits on the following classes in excess of primary policies of American Empire and other selected primary carriers on either an occurrence or claims-made basis:

  • Nursing homes
  • Assisted living facilities
  • Independent living facilities
  • Adult day care

We also quote excess layers above selected primary carriers which also provide a lead umbrella policy. For example: Excess layers of $3 Mil xs $2 Mil, $5 Mil xs $5 Mil, $ 5Mil xs $10 Mil, etc.


  • Occurrence and claims-made coverage forms are offered
  • Manuscripted forms and endorsements are tailored for specific risks


Up to $5,000,000 limits available and we prefer the lower attachment points.

Underlying Limit Minimum Requirements

General Liability $1,000,000 Each Occurrence
$1,000,000 Annual Aggregate
Automobile Liability $1,000,000 Each Occurrence
Employers Liability $1,000,000 Each Occurrence
Professional Liability $1,000,000 Each Occurrence
$1,000,000 Annual Aggregate