Ideal Accounts and Appetite
This Excess and Surplus Lines program is built for risks that fall outside standard underwriting guidelines. Typical accounts we place include:
- Contractors with elevated exposures, specialty operations, or prior claims
- Transportation risks such as truckers, small fleets, and taxicab operations
- Auto repair shops, garage operations, and other auto-related businesses with complex liability needs
- Companies that require higher liability limits than the admitted market commonly offers
Example scenarios where M.J. Hall can help: you might have a client operating a small trucking fleet with mixed vehicle types and prior losses, or a garage expanding into mobile repair services that needs higher umbrella limits. Those are the kinds of accounts our markets consider regularly.
Coverage Highlights and Advantages
We provide flexible excess and umbrella structures with tailored limits and terms. Available coverages include:
- Excess General Liability
- Excess Garage Liability
- Excess Auto Liability (suitable for truckers, taxi operators, and similar risks)
- Optional Excess Employer’s Liability
Key advantages:
- Broad market access to specialty and admitted/non-admitted carriers
- Binding authority options for faster placements
- Underwriting teams experienced in hard-to-place commercial liability risks
- Flexible limits and tailored terms to fit unusual exposures
Minimum premiums can vary by carrier and class; some markets start as low as $500 per million in limits depending on the coverage and risk profile.
Underwriting Notes and Minimum Premiums
Our underwriting approach is case-by-case. We review the full submission — operations, loss runs, safety controls, and limits requested — and work with agents to identify the most appropriate markets. While many accounts qualify, typical limitations include classes with unreported operations, certain admitted-only exposures in specific states, or risks without acceptable loss history documentation.
Minimum premiums, retentions, and attachment points depend on the carrier and the insured’s profile. Provide complete loss runs and detailed exposure information to get the most competitive response.
Territories and Availability
This program is available in: Alaska (AK), Arizona (AZ), California (CA), Hawaii (HI), and Nevada (NV). We can consider either admitted or non-admitted placements depending on the state, carrier, and specific risk.
Why Work With M.J. Hall & Company
M.J. Hall combines deep E&S underwriting experience with broad market relationships and a service-first approach. We prioritize clear communication, timely quotes, and practical placement strategies that help agents grow their commercial liability business. Whether you need help with a single high-risk account or want to expand your book of umbrella and excess placements, our team provides the program and market access to get the job done.
Our underwriters and market specialists are ready to discuss your next Excess and Surplus Lines opportunity. Contact M.J. Hall today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program works well for contractors with elevated exposures, trucking and transportation operations, garage and auto-related businesses, and other clients who need higher liability limits or have unique risks that standard markets decline.
Is this coverage available on an admitted basis?
We offer both admitted and non-admitted options depending on the state and carrier. Availability is determined per submission and jurisdiction.
What is the minimum premium for this program?
Minimum premiums vary by carrier and class. Some markets may start around $500 per million in limits, but final pricing depends on the coverage selected and the risk profile.
Which states is this program available in?
We currently offer this program in Alaska, Arizona, California, Hawaii, and Nevada.
How do I submit a risk to M.J. Hall?
Contact your M.J. Hall underwriter or broker. Provide complete submissions including loss runs and exposure details, and we’ll guide you through markets and placement options.
Need help placing an account? Connect with a market specialist.