Casualty Insurance Solutions from Crouse and Associates
Crouse and Associates provides tailored Casualty Insurance placement through our network of more than 50 Excess & Surplus (E&S) and admitted markets. As a Managing General Underwriter and Excess & Surplus Lines Broker, we help retail agents place challenging liability accounts across construction, real estate, manufacturing and other specialty industries. Our focus is on complex casualty exposures that need flexible solutions — including combined General Liability and Professional Liability placements when appropriate.
We pair deep underwriting experience with broad market access so you can present competitive options for insureds with non-standard risks or higher limit needs. Whether the account requires admitted capacity in a particular state or placement through E&S markets, our platform and carrier relationships allow us to structure solutions that match your client’s risk profile and budget.
Ideal Accounts and Target Classes
Crouse and Associates targets tough-to-place or atypical casualty risks. Typical appetites include:
- Contractors — residential and commercial, including accounts with subcontractor exposure
- Environmental services and consulting firms
- Manufacturers and distributors, including importers and accounts with product recall exposure
- Real estate owners, managers, and developers with complex operations
- Accounts with foreign-based operations and U.S. exposures
Example scenarios: you might have a contractor with a limited prior coverage history and subcontractor risk, or a manufacturer importing specialty goods from overseas — these are the types of profiles our markets routinely consider.
Coverage Highlights and Advantages
Markets available through this program offer flexible liability solutions and endorsements to address unique exposures:
- Commercial General Liability (GL)
- Professional Liability where needed or as a package with GL
- Excess Liability and Umbrella programs for higher-limit needs
- Product recall and foreign liability enhancements
We work with both admitted and non-admitted carriers; some admitted markets are available depending on state and risk. That mix gives you flexibility to pursue admitted placements where required, and E&S solutions for higher-risk or non-standard accounts.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by class, state, and the lines included. To speed the quoting process, submit a complete underwriting package that includes prior loss history, detailed operations description, payroll and sales breakdowns, and any contract wording or inspection reports. Our underwriters are experienced with complex submissions and will advise on what additional information or risk management steps may improve placement prospects.
Territories and Availability
This Casualty Insurance program is available in most states, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. We serve agents nationwide and have particular experience placing business in states with challenging regulatory or market environments.
Why Work With Crouse and Associates?
With decades of casualty placement experience, Crouse and Associates is a responsive, market-savvy partner for retail brokers. We combine deep underwriting knowledge with wide carrier access to solve difficult placement problems quickly. Our team assists from submission through bind — helping identify the best markets, negotiate terms, and structure higher-limit or layered programs when needed.