Umbrella / Excess Liability


Patriot National Underwriters, Inc. offers umbrella or excess liability with both admitted and non-admitted companies.

We can provide you with umbrella or excess liability coverage on either a primary or excess basis on virtually any class of business through several leading umbrella / excess markets.

Required underlying (primary) limits on most classes:

  • General Liability
    • $1,000,000 occurrence
    • $2,000,000 general aggregate
    • $2,000,000 products / completed operations aggregate
    • $1,000,000 personal / advertising injury
  • Automobile Liability
    • $1,000,000 CSL
  • Employers' Liability
    • $1,000,000 each accident
    • $1,000,000 disease–policy limit
    • $1,000,000 disease–each employee

Submission Requirements on most risks:

  • Completed Acord Applications
  • Copies of Underlying General Liability quote with classifications, exposure basis and terms & conditions
  • Currently valued genral liability and auto liability loss runs for 5 years or number of years in business if less than 5.
  • Any applicable supplemental application

Sample of classes written include:

  • Commercial Property Management, Owners or Services
  • Contractors
    • Artisan Contractors
    • General Contractors
    • Specialty Contractors
  • Delivery / Transportation Risks
  • Distributors
  • Habitational Risks
    • Apartments–including condo or townhome rentals
    • Hotel / Motel
    • Rental Dwellings
  • Manufacturers
  • Retail Risks
  • Wholesale risks

Call us at 972.239.1458 or 800.291.6846 about classes of business not listed above.

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Patriot National Underwriters, Inc. © 2012