Excess

Your clients built their businesses by sweat equity. But in a flash, all that hard work could disappear. The professionals at WestCongress understand the importance of crafting the right excess liability insurance solutions for your clients.

Program Highlights:

  • Nationwide coverage (Ex. AL & IA) – domestic Surplus Lines carrier (A-VII AM Best)
  • Commercial Excess Liability – $5MM Occurrence/$5MM Aggregate
  • Lead or excess layer positions
  • Occurrence or claims-made coverage
  • Customized/risk-tailored approach
  • Broad risk appetite

Target Segments/Risks:

Focus on small to middle market risks for:

Specialty Contractors
  • Residential and commercial roofing and other artisan contractors
  • Equipment installation, servicing, and repair
  • General Contractors
  • Homebuilders and Remodelers
Energy Contractors
  • Land-based energy site and service contractors 
  • Equipment rental w/ operator
  • Machine shops
  • Oil and Gas product risks
Security Services firms
  • Security or patrol agencies with armed and unarmed operations
  • Detectives or investigators with armed and unarmed operations
  • Armored car and transport services
Alarm Systems companies
  • Alarm installation and servicing contractors
  • Alarm monitoring companies / central station
  • Alarm manufacturers
Safety Systems Companies
  • Commercial and residential system installation
  • Commercial and residential sales, service, or design
  • Fire extinguisher sales or service
  • Dealers or distributors of safety equipment

Minimum Submission Requirements:

  • Signed complete ACORD application including full description of insureds operations
  • 5 years currently valued loss runs for respective lines of coverage (including scheduled underlying)
  • Description of large losses
  • Underlying quotes for respective lines of coverage
  • Auto liability controls, if applicable
Excess
WestCongress is Here to Help

From filing a claim to submitting your application, we promise to respond promptly to your request.

WestCongress Excess solutions are offered through a surplus line carrier with an AM Best Financial Strength Rating
of A- (Excellent) VII.