Excess Casualty

Excess Casualty Coverage from Continental Risk / Continental Marine Insurance Services

Continental Risk / Continental Marine Insurance Services offers a flexible, fast-turnaround Excess Casualty program built for agents and brokers placing large or complex casualty accounts. The program provides deep capacity (catastrophic high-excess capacity for qualifying risks), multiple policy-form options, and underwriting experienced with high-liability exposures across construction, manufacturing, marine, transportation and energy sectors.

Ideal Accounts and Appetite

This program targets insureds with significant aggregate and occurrence exposures that require large excess limits or specialized wording. Typical fits include general contractors on infrastructure projects, manufacturers and distributors with product liability concerns, marine operators, commercial transportation fleets, and industrial premises with heavy premises/operations risk. The appetite includes:

• Construction and contractors (including heavy civil and specialty contractors)
• Manufacturing, product distribution and product manufacturers
• Marine, offshore and energy-related operations
• Commercial transportation fleets and auto liability
• Industrial premises, processing facilities and large campuses
• Employers needing expanded Employers’ Liability limits

Accounts that typically fall outside the appetite are those with unaddressed pollution exposures without controls, admitted criminal acts, or severely adverse loss histories without credible remediation plans. For complex exposures, underwriters prefer complete submissions with loss runs, risk control documentation and contract/indemnity language when applicable.

Coverage Highlights and Advantages

Continental Risk provides follow-form excess liability limits up to $50 million through standard channels, and for qualifying, highly placed risks can secure catastrophic excess limits up to $150 million (minimum attachment typically $50 million). Policy form options include integrated occurrence, follow-form occurrence, follow-form claims-made and follow-form dual trigger, allowing you to match form and attachment structure to your client’s underlying programs.

Available excess coverages span:

• 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

Strengths include A-rated carrier access, flexible attachment options, and ability to consider layered placements for large accounts.

Underwriting Notes and Minimum Premiums

The program is placed through A-rated carriers and is available primarily on a non-admitted basis in most markets. Underwriting reviews focus on loss history, contract exposures, risk control programs and the structure of the underlying primary and umbrella programs. The minimum premium begins at just $500. For well-documented, qualifying submissions, Continental Risk can often provide terms and indications rapidly — in some cases within an hour.

Territories and Availability

Continental Risk’s Excess Casualty program is available in nearly every state, 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. Availability and admitted/non-admitted options vary by state and carrier—check state-specific placement options with the underwriting team.

Why Work With Continental Risk?

Continental Risk / Continental Marine Insurance Services combines wholesale distribution and excess & surplus lines brokerage with focused casualty underwriting experience. Agents get direct access to markets that handle difficult placements, clear communication on wording/attachment issues, and the ability to move quickly on submissions that meet the program’s appetite. The team is experienced handling layered and catastrophic excess placements and can help structure terms to align with clients’ underlying programs.

Example scenarios where this market is a strong option:

• You represent a heavy civil contractor bidding on a multi-year bridge project that requires high excess limits and additional insured endorsements.
• You have a regional manufacturer with expanding national distribution that needs increased product liability limits and a stable excess placement to support growth.

For more information about the Excess Casualty program, contact Kelly Stephens at [email protected].

Frequently Asked Questions

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