Ideal Accounts and Appetite
Our Excess and Surplus Lines Insurance program is designed for risks that fall outside standard underwriting guidelines. We’re a great fit for:
- Contractors with elevated exposures or claims histories
- Transportation accounts, including truckers and taxicabs
- Auto repair and garage operations with complex liability needs
- Companies requiring higher limits than the standard market offers
You might have a client operating a small trucking fleet with mixed vehicle types and prior losses. Or perhaps you’re working with a garage business expanding into new services. These are the kinds of accounts we help agents place every day.
Coverage Highlights and Advantages
We offer flexible coverage structures with tailored limits and terms. Available coverages include:
- Excess General Liability
- Excess Garage Liability
- Excess Auto Liability (ideal for truckers, taxi operators, and similar risks)
- Optional Excess Employer’s Liability
Minimum premiums start as low as $500 per million in limits, depending on the carrier, coverage selected, and risk profile. Our broad market access allows us to consider a wide range of industries and exposures.
Underwriting Notes and Minimum Premiums
We understand the needs of retail agents working with E&S accounts. Our underwriters evaluate each submission individually and work closely with you throughout the placement process. While minimum premiums vary, we strive to deliver competitive solutions with realistic pricing for tough-to-place risks.
Territories and Availability
This program is currently available in the following states: California (CA), Arizona (AZ), Alaska (AK), Hawaii (HI), and Nevada (NV). We can consider both admitted and non-admitted placements depending on the state and risk type.
Why Work With M.J. Hall & Company
With over 40 years of proven experience, M.J. Hall & Company delivers professional service, underwriting knowledge, and a true partnership approach. We pride ourselves on fast response times, transparent communication, and helping our agents grow their E&S business. Whether you need help with a single high-risk account or are looking to expand your book of commercial umbrella and liability placements, M.J. Hall is here to support you.
Our agents are ready to discuss your next Excess and Surplus Lines Insurance opportunity. Contact M.J. Hall today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for risks that fall outside the standard market, such as contractors, trucking operations, garage and auto-related businesses, and other clients needing higher liability limits or unique coverage.
Is this coverage available on an admitted basis?
We offer both admitted and non-admitted options, depending on the state and the carrier. Availability may vary by risk and jurisdiction.
What is the minimum premium for this program?
Minimum premiums typically start at $500 per million in limits, but actual pricing depends on the carrier, coverage type, and nature of the risk.
Which states is this program available in?
We currently offer this program in Alaska, Arizona, California, Hawaii, and Nevada.
How do I submit a risk to M.J. Hall?
You can reach out to your M.J. Hall underwriter or broker directly. We’ll guide you through the submission process and help you get a competitive quote.
Need help placing an account? Connect with a market specialist.