Excess & Umbrella Insurance Program from Veracity Insurance Solutions
Veracity Insurance Solutions, LLC offers a robust Excess & Umbrella Insurance program tailored to meet the needs of a wide range of industries. As a wholesale broker with in-house binding authority, Veracity can quote, bind, and issue excess and umbrella coverage for over 750 classes of business—providing agents and brokers with fast, efficient access to coverage solutions for harder-to-place risks. When a risk falls outside of our in-house capabilities, we work with multiple carrier partners to find a market that fits.
Ideal Accounts and Appetite
This program is ideal for agents seeking excess or umbrella liability coverage for mid-sized commercial clients with increased liability exposure. Target classes include, but are not limited to:
- Contractors (both general and specialty)
- Restaurants and food service establishments
- Manufacturers with moderate to high product exposure
- Lessors Risk Only (LRO) and commercial property owners
- Bars, taverns, and nightclubs
Whether your client operates a busy downtown restaurant, owns multiple leased commercial buildings, or runs a manufacturing facility with nationwide distribution, Veracity can help you secure the additional liability protection they need.
Coverage Highlights and Advantages
Excess and umbrella liability coverage provides an extra layer of protection above your client’s primary liability policies. This program helps insureds manage exposures such as catastrophic injury claims, lawsuits that exceed general liability limits, or incidents tied to liquor liability, product liability, or tenant-related risks. Coverage can be tailored to stack over general liability, auto liability, and employer’s liability.
Key advantages include:
- Access to both admitted and non-admitted markets
- Multiple carrier options to accommodate different risk profiles
- Quick turnaround on quoting and binding for in-house classes
- Solutions for hard-to-place or higher-risk industries
Underwriting Notes and Minimum Premiums
The program has a minimum premium starting at $500, with pricing dependent on the class of business, coverage limits requested, and primary policy details. Veracity's underwriters evaluate each submission carefully and work closely with agents to structure coverage that fits the insured's needs. Submissions should include a completed application, schedule of underlying insurance, and loss history when available.
Territories and Availability
Veracity’s Excess & Umbrella Insurance program is available in all 50 states and Washington, D.C. We are equipped to handle risks nationwide, offering consistent access to coverage regardless of your client's location.
Why Work With Veracity Insurance Solutions?
Veracity Insurance Solutions is a trusted wholesale broker with deep expertise in placing liability coverage for complex or niche industries. Our in-house authority allows us to move quickly on many classes of business, while our broad market access ensures we can find solutions even when a risk falls outside standard parameters. We are committed to supporting independent agents with responsive service, flexible underwriting, and competitive options across a wide spectrum of industries.
Frequently Asked Questions
What types of accounts are a good fit for this Excess & Umbrella program?
This program is ideal for contractors, restaurants, manufacturers, LRO risks, and bars/taverns needing additional liability protection.
What is the minimum premium for this program?
The minimum premium starts at $500, though actual pricing depends on the type of risk, coverage limits, and underlying policies.
Is this program available in all states?
Yes, Veracity offers this program in all 50 states and Washington, D.C.
Can Veracity help with risks that fall outside the standard appetite?
Yes. If a class of business is outside Veracity’s in-house authority, they will access other markets to find a suitable placement.
What carriers does Veracity use for this program?
Veracity works with multiple carriers to provide flexible, competitive coverage options for a variety of risk profiles.
Need help placing an account? Connect with a market specialist.