Commercial Excess Casualty

Commercial Excess Casualty Coverage from Continental Risk / Continental Marine Insurance Services

Continental Risk and Continental Marine Insurance Services provide a focused Commercial Excess Casualty program for agents and brokers placing high-exposure accounts. The program offers follow-form excess liability limits up to $50 million and catastrophic excess layers up to $150 million. It is built for producers who need reliable capacity, broad form flexibility, and fast turnaround on complex excess placements.

Ideal Accounts and Appetite

This program targets commercial accounts that require large or complicated excess layers. Typical classes include:

• Contractors and construction firms
• Marine and energy operations
• Product manufacturers and distributors
• Transportation and logistics companies
• Industrial and commercial premises

The appetite favors accounts with clear primary programs and risk controls. Accounts with significant operations, large fleets, complex products, or project-specific contractual limits are a strong fit. Pure professional liability risks, admitted-only placements, or accounts without an adequate underlying program may not be appropriate—please consult underwriting for borderline submissions.

Coverage Highlights and Advantages

Continental Risk offers flexible excess policy structures designed to follow the insured’s primary coverage or to be tailored where needed. Available excess lines include:

• Excess General Liability
• Excess Commercial Auto Liability
• Excess Employers' Liability
• Excess Product Liability
• Excess Marine Liability
• Excess Energy Liability
• Excess Premises Liability
• Excess Contractors Liability
• Limited Excess Professional Liability

Policy forms offered: integrated occurrence, follow-form occurrence, follow-form claims-made, and follow-form dual trigger. Underwriters will work with you to align wording with the insured’s primary program and contract requirements when necessary.

Underwriting Notes and Minimum Premiums

Minimum premium starts at $500. For clean, qualifying submissions, Continental Risk can often provide terms within an hour, helping you respond quickly to clients and meet time-sensitive procurement or project deadlines. Catastrophic excess capacity is available up to $150 million; note the minimum attachment for catastrophic layers is typically $50 million.

Territories and Availability

The Commercial Excess Casualty program is available in most U.S. states, including 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, and WY. Most placements are handled on a non-admitted basis and are backed by A-rated carriers.

Why Work With Continental Risk / Continental Marine Insurance Services?

As a general agency and excess & surplus lines broker, Continental Risk combines deep casualty underwriting expertise with broad market access. Their strengths include fast response times, flexible form options, and experience placing high-limit, complex casualty layers across construction, marine, energy, manufacturing, and transportation sectors. Working with Continental Risk helps you secure dependable capacity and tailored excess solutions when standard markets are constrained.

Example scenarios you might place through this program:

• A general contractor bidding on a large public works project that needs additional excess limits to meet contract requirements.
• A regional manufacturer with product liability exposure seeking coordinated excess layers above a layered primary and umbrella program.

For more information or to submit a risk, contact Kelly Stephens at [email protected].

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.