Excess / Umbrella Insurance — Axiom Insurance Managers Agency, LLC
Axiom Insurance Managers Agency, LLC offers a flexible Excess/Umbrella program designed for independent agents who need supplemental liability capacity for small- to medium-sized commercial accounts. Limits up to $10 million are available to help clients bridge gaps above their primary liability policies and protect assets from large third-party liability losses.
Overview of the Program
This program provides excess and umbrella liability capacity through a panel of markets to deliver broad coverage for a wide range of commercial classes. Axiom acts as the program administrator and can place both straightforward and moderately complex risks. Direct billing and financing options are available to help your clients manage premium flow.
Ideal Accounts and Appetite
- Small to medium premium accounts (generally under $100,000 DWP)
- Industries we commonly place:
- Agricultural
- Contracting
- Hospitality
- Wholesale & retail
- Service businesses
- Habitational (small residential landlords)
- Light manufacturing and processing
- Lessors’ risk
- Capacity available up to $10M per occurrence / $10M aggregate
Ineligible or Limited Exposures
The program is not intended for high-hazard or highly specialized exposures. Typical ineligible classes include:
- Aircraft liability
- Security firms and certain professional security exposures
- Nursing homes and skilled care facilities
- Hazardous materials hauling, large trucking fleets, livery operations
- Logging and heavy transportation/trucking operations
- Waste management
- Certain high-risk manufacturing (invasive medical products, chemical blending for pharmaceuticals/nutraceuticals, tobacco products, firearms/explosives)
- Restaurants or bars serving alcohol after 4:00 A.M.
Coverage Highlights and Advantages
- Competitive pricing for eligible small-to-midsize commercial accounts
- Up to $10M limits to coordinate with primary policies
- Flexible attachment points depending on the underlying program and hazard group
- Direct billing and financing options to improve cash flow for insureds
- Access to multiple markets (various carriers) through Axiom’s program administration
Underwriting Notes and Minimum Premiums
Minimum premiums generally start at about $750 per million, but final pricing depends on hazard group, attachment point, and the quality of underlying coverage. Typical submissions should include currently valued underlying GL policies, payroll/revenue exposures, operations descriptions, and loss runs. Higher limits, unique exposures, or marginal underlying coverage may require additional underwriting detail.
Territories and Placement Model
The program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Note: placements are handled through Axiom as a program administrator and may be written on non-admitted paper depending on the state and carrier; confirm availability and placement options at submission.
Why Place This Business With Axiom
Axiom provides targeted excess/umbrella capacity for agents who need reliable follow-form excess limits for routine commercial risks. The program balances underwriting discipline with market access — making it a practical option when primary limits are in place and the risk profile falls within the stated appetites. Responsive underwriting, flexible billing, and multi-market access are the core strengths agents cite when placing through Axiom.
Example Fits
- A regional property manager with several small apartment buildings seeking $5M excess limits over standard commercial GL and property management E&O exposures.
- A mid-sized contracting firm with clean loss history needing $2M–$5M excess capacity to satisfy a project owner’s insurance requirements.
For submission guidelines or to discuss an account, contact your Axiom representative. Call Axiom today for your Excess/Umbrella Insurance needs!