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Excess and umbrella insurance

We offer stand-alone excess or umbrella products, written over our primary and the primary of other qualifying carriers.

Contract binding authority


  • Commercial umbrella liability. With underlying coverages such as general liability, auto liability, employer's liability, professional liability, liquor liability, garage liability, watercraft liability, aircraft liability and various miscellaneous coverages.
  • Excess liability. Can include excess umbrella coverage, as well as monoline excess auto, general liability, professional, and liquor.


We write a variety of risks including:
  • Alarm contractors
  • Apartments
  • Building – lessor's risk
  • Daycare
  • Commercial contractors – nonresidential
  • Restaurants and bars
  • Security guards
  • Special events / Recreation
  • Transport services


Our Brokerage team has the expertise to provide creative solutions for larger, more complex risks for the classes above as well as the following:
  • Amusement
  • Auto repair shops
  • Excess wraps
  • Fire suppression (installation, service and repair)
  • Food and beverage distributors
  • Fuel haulers
  • Garbage haulers
  • HOA/condo associations
  • Manufacturers and contractor dealers and distributors
  • Public livery
  • Roofing (commercial)
  • Schools and churches
  • Truckers
  • Waterparks

We also consider business in other classes. The following classes are prohibited in New York:
  • Blasting contractors
  • Crane operators
  • Elevator contractors

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