Gladius Insurance Services, LLC offers a specialized Excess Liability Insurance program through Topa Insurance Company, tailored to meet the needs of agents and brokers serving a variety of commercial clients in California. This program is particularly attractive for hard-to-place risks and provides excess coverage over primary general liability and other underlying policies. With a strong appetite for contractors and property-related businesses, this market is a valuable solution for retail agents seeking flexible, responsive, and competitive coverage options.
Overview of the Program From Gladius Insurance Services
Topa Insurance Company, rated A-7 and admitted in California, backs this Excess Liability program. One of the unique advantages of this offering is its willingness to consider excess coverage for general contractors engaged in new residential construction of custom homes—a class often declined by other carriers. With limits available up to $5 million and a minimum premium starting at $1,500, this program delivers competitive pricing and quick turnaround times.
Ideal Accounts and Appetite
This program is designed for a broad range of commercial clients, including but not limited to:
- General Contractors (including new residential construction with restrictions)
- Property and Apartment Owners
- Lessors Risk
- Restaurants, Hotels, Motels
- Distributors, Importers/Exporters, Retail
- Office Parks, Industrial Parks, Homeowner Associations
- Landscape Maintenance, Janitorial Services
If you’re working with a custom home builder in California or a small commercial property owner looking to extend their liability limits, this program could be an ideal fit.
Coverage Highlights and Advantages
Program Highlights
- Following Form Excess Liability
- Admitted A-7 Carrier (Topa Insurance Company)
- Available exclusively in California
- Excess limits from $1 million to $5 million
- Quick quoting and underwriting turnaround
- Will consider new residential construction on single-family dwellings (with restrictions)
Underwriting Notes and Minimum Premiums
Capacity
Limits ranging from $1 million to $5 million
Minimum Premium
$1,500
Average Premium
$5,140
Territories and Availability
This Excess Liability program is available exclusively in California. The carrier is admitted in the state, ensuring a stable and compliant solution for your clients’ excess liability needs.
Why Work With Gladius Insurance Services
Gladius Insurance Services, LLC is a trusted Excess & Surplus Lines Broker with deep expertise in placing complex and specialty risks. Their partnership with Topa Insurance Company allows them to offer unique underwriting flexibility, competitive pricing, and fast service—key advantages for brokers looking to meet tight deadlines or serve clients with challenging exposures.
Whether you're helping a contractor secure additional limits for a new residential build or placing coverage for a retail business or property owner, Gladius provides the support and market access you need.
Frequently Asked Questions
What types of accounts are a good fit for this Excess Liability program?
This program is ideal for general contractors, property owners, restaurants, hotels, retail operations, and other commercial risks needing excess coverage over their primary policies.
Is the program admitted or non-admitted?
This program is written through an admitted carrier (Topa Insurance Company) in California.
Does this program cover new residential construction?
Yes, the program will consider excess liability coverage for general contractors performing new residential construction of custom homes, subject to underwriting restrictions.
What is the minimum premium for this program?
The minimum premium starts at $1,500, with average premiums around $5,140, depending on class and exposure.
How quickly can I get a quote?
Gladius Insurance Services offers a quick turnaround time on quotes, helping you respond promptly to your clients' needs.
Need help placing an account? Connect with a market specialist.