Excess Liability Insurance Solutions from Access E&S
Access E&S Insurance Services offers powerful solutions for agents and brokers seeking higher limits of liability coverage for their clients. Our Excess Liability Insurance program is designed for businesses that face significant exposure and need additional protection beyond standard primary policies. With access to multiple markets, we can write stand-alone Excess Liability, true Umbrella policies, and Buffer Layer coverage—offering underwriting flexibility and competitive options for complex or high-risk accounts.
Ideal Accounts and Appetite
We specialize in placing Excess and Umbrella coverage for a wide range of industries and commercial risks. Whether your client is a contractor with large project exposures, a transportation company with fleet liability, or a business seeking additional protection over specialized coverages, we can help. Our program is especially well-suited for risks that require:
- High limits of liability (above standard carrier offerings)
- Excess over General Liability, Auto Liability, and Employers Liability
- Excess over Management Liability products such as D&O, E&O, GPL, Fiduciary, and Crime
We do not require the primary policy to be written with us, giving you greater flexibility when structuring layered programs for your clients.
Coverage Highlights and Advantages
- Available on either Occurrence or Claims-Made basis
- Standalone Excess or true Umbrella options
- Buffer Layer policies available when needed
- Ability to write over qualified Management Liability carriers
- Carriers are vetted and must meet our minimum underwriting standards
For example, you might have a client in the healthcare sector needing Excess coverage over a Management Liability program including D&O and EPLI. Or a real estate development firm with ongoing construction projects requiring additional limits above their GL and Auto policies. These types of complex layered programs are well within our appetite.
Underwriting Notes and Submission Requirements
To ensure fast and accurate quotes, please include the following with each submission:
- Copy of the underlying quote or policy, including terms and conditions
- ACORD applications (GL and Auto)
- Five years of currently valued loss runs
- Details on any losses exceeding $10,000
Our underwriters are experienced in reviewing layered programs and will work with you to ensure all underwriting guidelines are met.
Territories and Availability
This program is currently available in Arizona, California, Colorado, Nevada, Texas, and Washington. We operate as an Excess & Surplus Lines Broker and most of our markets are non-admitted, giving us the flexibility to handle unique or hard-to-place risks.
Why Work With Access E&S Insurance Services?
Access E&S brings deep market access and technical expertise to every Excess or Umbrella account. Whether you're working with a new startup or a large enterprise with layered coverage needs, we offer the tools and carrier relationships to help you place business efficiently. Our responsive team is here to support you throughout the quoting and binding process, helping you secure the right protection for your clients.
Frequently Asked Questions
What types of accounts are a good fit for this Excess Liability program?
We work well with contractors, transportation fleets, real estate developers, and firms needing Excess over Management Liability coverages such as D&O, EPLI, and E&O.
Do you require the primary policy to be placed through Access E&S?
No, we do not require the primary coverage to be written with us. We can write Excess or Umbrella over qualified underlying carriers that meet our standards.
What information is needed to get a quote?
We require underlying policy terms, ACORD apps (GL and Auto), five years of loss runs, and details on claims over $10,000 to provide a timely quote.
Can you write Excess over Management Liability policies?
Yes, we can write Excess over D&O, E&O, GPL, Fiduciary, and Crime, provided the underlying carrier meets our carrier qualification guidelines.
In which states is this program available?
This Excess Liability program is available in AZ, CA, CO, NV, TX, and WA.
Need help placing an account? Connect with a market specialist.