Excess Insurance Coverage Solutions from A.I.I. Insurance Brokerage of MA
When your commercial clients need protection above their primary liability policies, A.I.I. Insurance Brokerage of MA gives agents access to a range of Excess and Commercial Umbrella liability solutions. As an experienced Excess & Surplus Lines broker, we place hard-to-find limits through a broad network of markets and flexible excess structures to meet contract and operational requirements.
Ideal Accounts and Appetite
We specialize in placing Excess and Umbrella Liability for a wide variety of commercial accounts. Our markets are particularly well-suited for:
- Contractors and construction-related businesses
- Manufacturers, distributors, and wholesalers
- Hospitality and food-service operations (restaurants, hotels)
- Retail establishments and shopping centers
- Real estate portfolios, including habitational and commercial properties
If a client faces high exposure because of contract requirements, property values, fleet operations, or workforce size, we can help you obtain appropriate excess limits and terms that sit above their underlying policies.
Coverage Highlights and Advantages
We provide access to both Excess Liability and Commercial Umbrella programs. Depending on the account, we can structure follow-form excess or broader umbrella policies. Typical features include:
- Limits matched to contractual or operational needs
- Coverage that can extend over General Liability, Auto Liability, and Employers Liability
- Standalone excess placements or supported umbrella structures tied to underlying programs
- Capacity for hard-to-place or higher-risk industries through E&S markets
Example scenarios: you might have a subcontractor bidding municipal work that requires a $5M excess limit, or a property owner seeking additional protection across multiple commercial buildings. We work to place those limits efficiently and competitively.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by class, limit requested, and the underlying exposures. Our underwriters review each submission on its merits and can accommodate a wide range of industries and risk profiles. To evaluate an account, provide complete primary policy information plus details on operations, payroll, revenues, and loss history.
Territories and Availability
This Excess Insurance Coverage program is available in the following states:
- Connecticut (CT)
- Massachusetts (MA)
- New Hampshire (NH)
- Rhode Island (RI)
Most placements are arranged on a non-admitted basis through a variety of E&S carriers, allowing flexibility for harder-to-place risks.
Why Work With A.I.I. Insurance Brokerage of MA?
A.I.I. Insurance Brokerage of MA offers retail agents and brokers deep market access and responsive underwriting support. Our relationships with multiple carriers let us tailor excess structures, find competitive capacity, and move quickly to meet clients’ deadlines. We focus on practical solutions so you can close business with confidence.