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Halcyon Underwriters
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Halcyon Underwriters
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Excess / Umbrella Insurance

Umbrella Insurance

Halcyon Underwriters offers a flexible Excess / Umbrella Insurance program to help you place higher-limit liability protection for a wide range of standard commercial risks. Through relationships with multiple top-rated admitted carriers, we provide competitive capacity, broad contract forms, and responsive underwriting tailored to agents and brokers managing clients’ catastrophic liability exposures.

Ideal Accounts and Target Classes:
Our appetite focuses on standard business classes with low-to-medium hazard profiles. Monoline Umbrella and Excess placements are available for eligible risks written over admitted carriers rated A- or better by A.M. Best.

We commonly place accounts in the following industries:
  • Contractors
  • Wholesalers and Distributors
  • Resorts and Hotels/Motels
  • Property Management and Real Estate
  • Retailers and Restaurants
  • Food Products and Manufacturers
  • Technology Firms
  • Business Services
Example: You might have a retail distributor with growing operations and multiple vehicles. We can place umbrella limits up to $50 million to help manage their expanding liability exposures.

Coverage Highlights and Advantages:
  • Limits available from $1 million up to $50 million (additional capacity arranged upon request)
  • Superior contract forms with broad coverage and minimal restrictive endorsements
  • Zero ($0) Self-Insured Retention (SIR) available from most carriers
  • Primarily written on Occurrence forms; Claims-Made available when required

Underlying Carrier Requirements:
  • General Liability and Auto Liability: A.M. Best A- VI or better
  • Employers' Liability: A.M. Best B+ or better (self-insured funds may be accepted, subject to approval)

Minimum Underlying Limits:
  • General Liability:
    • $1,000,000 Each Occurrence
    • $2,000,000 General Aggregate
    • $1,000,000 Products Aggregate*
    • $1,000,000 Personal & Advertising Injury
  • Auto Liability: $1,000,000 Combined Single Limit
  • Employers' Liability:
    • $100,000 Each Accident*
    • $100,000 Each Disease Per Employee*
    • $500,000 Disease Aggregate
*Some insurance companies may require higher limits for specific business classes.

Underwriting Notes and Minimum Premiums:
Minimum premiums generally start at $20,000. All submissions are evaluated on their own merits — underwriters consider class, limits, loss history, operations, and the underlying coverage structure when determining terms and pricing.

Territories and Availability:
This program is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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. Contact underwriting to confirm availability and any state-specific requirements.

Why Work With Halcyon Underwriters:
As a specialty wholesale broker, Halcyon Underwriters combines deep carrier access with hands-on underwriting to place umbrella and excess liability for even complex accounts. We emphasize fast turnaround, pragmatic terms, and creative structuring to meet your client’s needs.

For additional information, please contact Jason Mata at [email protected].

Visit our website at www.halcyonuw.com to learn more about our services and capacity.

Frequently Asked Questions

What types of accounts are a good fit for Halcyon’s Excess / Umbrella Insurance program?

We target standard commercial risks with low to medium hazard exposures. Ideal classes include contractors, retailers, wholesalers, hospitality businesses, and tech firms.

What umbrella coverage limits are available?

Limits range from $1 million up to $50 million. Additional capacity may be arranged upon request for qualifying risks.

Can I write monoline umbrella coverage through Halcyon?

Yes. Monoline umbrella or excess placements are available for qualifying accounts written over carriers that meet our underlying requirements.

What are the minimum underlying limits required?

Standard underlying limits include $1 million per occurrence for General Liability and Auto, and $100,000/$500,000 for Employers Liability. Certain classes may require higher underlying limits.

Is this program available nationwide?

The program is available in most U.S. states. Contact Halcyon underwriting to confirm availability and any state-specific conditions for your client.

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

U.S. States Available

  • U.S. States Available:
  • US Territories:
    Guam, Puerto Rico, Virgin Islands
  • Provider Type:
    Wholesale Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A or above
  • Commission:
    Varies
  • Min Premium:
    $20K

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