Excess & Surplus Lines Broker

Excess & Surplus Brokerage from American E&S Insurance Brokers

American E&S Insurance Brokers provides Excess & Surplus (E&S) Lines solutions for agents and brokers who need non-admitted markets to place difficult or non-standard commercial risks. As an experienced E&S broker with access to a broad panel of carriers, we focus on securing property and casualty coverage for accounts that standard markets often decline due to size, complexity, loss history, or unique exposures.

Ideal Accounts and Appetite

This E&S program targets risks that sit outside admitted-market appetites. We commonly write or seek markets for:

• Contractors and construction firms with complex operations or loss/claims history
• Owners, landlords, and tenants in higher-risk occupancies or older buildings
• Manufacturers and distributors needing products liability limits or specialty forms
• Accounts seeking excess liability or commercial umbrella protection
• High-premium Workers’ Compensation risks (typically over $100,000 in annual premium)
• Properties with significant catastrophe exposure (wind, flood, earthquake)
• Builder’s risk and contractor’s equipment schedules

Whether you have a general contractor needing layered excess liability or a coastal property owner with CAT exposures, we work to find an appropriate non-admitted placement.

Coverage Highlights and Advantages

We offer flexible underwriting and access to competitive E&S products across casualty and property lines. Key coverages include:

• Contractors and construction liability
• Owner, landlord and tenant liability
• Products and completed operations liability
• Workers' Compensation for large or hard-to-place payrolls
• Commercial umbrella and excess liability layers
• Standalone excess liability placements

• All-risks property forms
• DIC (Difference in Conditions) including wind, flood, and earthquake options
• Builder’s risk for new construction projects
• Contractor’s equipment / inland marine schedules

We tailor wording and limits to the insured’s exposures, leveraging multiple non-admitted markets to find competitive terms and endorsements when needed.

Underwriting Notes and Minimum Premiums

Each submission is evaluated on operations, loss history, exposures, and limits requested. Complete submissions accelerate placement—please include a full application, current loss runs, and any supporting documentation (safety programs, contracts, job schedules, equipment lists, etc.).

Minimum premiums or threshold requirements may apply for certain classes—Workers’ Compensation accounts over $100,000 in premium are a typical example. Our underwriters will discuss applicable minimums and available options during review.

Territories and Availability

American E&S Insurance Brokers has national capability and can place E&S business across the country, including high-risk states such as California, Florida, Texas, and New York. Our broad territorial reach allows retail agents and brokers to submit accounts from coast to coast and receive timely market responses.

Why Work With American E&S Insurance Brokers?

With decades of experience in the surplus lines marketplace, American E&S Insurance Brokers combines deep underwriting knowledge, strong carrier relationships, and a practical approach to placing tough risks. We offer responsive service, flexible placement strategies, and access to multiple non-admitted carriers so you can keep accounts in your book that standard markets decline.

Example scenarios where our program adds value:

• You represent a general contractor with a recent loss history seeking an excess liability layer—our team will target carriers that underwrite complex construction risks.
• You have a coastal property owner with high wind exposure and multiple tenants—we can pursue DIC and wind/flood solutions through non-admitted markets.

If you need assistance placing an account, our market specialists can help evaluate fit and prepare submissions. Connect with a market specialist.