Preferred Specialty has the Excess Liability and Umbrella products that will provide the additional coverage needs of your clients.

We represent multiple insurance carriers that offer high limits up to $10,000,000 over approved underlying carriers that are AM Best Rated A-V or better.
Preferred Specialty has in house authority for over 600 classes of business including:

  • Construction/Contractors
  • Mercantile
  • Habitational/Real Estate
  • Manufacturers
  • Wholesalers
  • Service
  • Special Events

Underlying Requirements:

  • General liability: $1,000,000 occurrence/$2,000,000 general aggregate/$1,000,000 products completed operations aggregate/$1,000,000 personal injury & advertising injury (classes where products completed operations aggregate is included in general aggregate is acceptable)
  • Automobile liability: $1,000,000 combined single limit
  • Employers liability: $500,000 each accident/$500,000 policy limit disease/$500,000 each employee disease or individual state statutory limit if greater
  • Employee benefits: $1,000,000 each employee/$1,000,000 aggregate
  • Hired & non-owned automobile liability: $1,000,000 occurrence

Underwriting Information Required:

  • Acord 125, Umbrella Acord 131 and Supplemental Applications (if applicable)
  • Five years currently values loss information
  • Subcontractors Agreement (if applicable)
  • Underlying quote with terms and conditions

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