Excess & Umbrella Insurance

Excess & Umbrella Insurance Program from Veracity Insurance Solutions

Veracity Insurance Solutions, LLC offers a focused Excess & Umbrella Insurance program designed for agents placing mid-market commercial risks. As a wholesale broker with in-house binding authority, Veracity can quote, bind, and issue excess and umbrella coverage for more than 750 classes of business—giving you fast access to limits and terms for harder-to-place accounts. When a submission falls outside our in-house appetite, we leverage multiple carrier partners to find an appropriate market.

Ideal Accounts and Appetite

This program targets mid-sized commercial clients with elevated liability exposure. Typical classes we write include:

• General and specialty contractors
• Restaurants, catering, and other food-service operations
• Manufacturers with moderate to high product or distribution exposure
• Lessors Risk Only (LRO) and commercial property owners
• Bars, taverns, and nightclubs

Accounts with primary GL, auto, and employer’s liability in place that need an additional layer of protection are a strong fit. Risks with catastrophic exposure, frequent liquor or product exposures, or complex tenant operations are within the program’s scope when supported by appropriate underlying limits and loss control.

Coverage Highlights and Advantages

Excess and umbrella liability provides an additional limit above an insured’s primary policies to help manage large loss and third-party liability events. Coverages can be tailored to follow form over general liability, auto liability, and employer’s liability, addressing exposures such as catastrophic injury claims, suits that exceed primary limits, liquor liability losses, and product liability claims.

Program advantages include:

• Access to both admitted and non-admitted markets to match carrier appetite and pricing needs
• Multiple carrier options to accommodate a range of risk profiles
• Quick turnaround for in-house classes due to binding authority
• Capacity to place harder-to-place or higher-risk industries through broader market access

Underwriting Notes and Minimum Premiums

The program’s minimum premium starts at $500. Final pricing is driven by class of business, requested limits, attachment points, and the terms of the underlying policies. Underwriters evaluate submissions on a case-by-case basis and will work with you to structure appropriate attachments and exclusions.

Standard submission requirements include a completed application, the schedule of underlying insurance (including limits and carriers), and loss history or prior loss runs when available. For complex or higher-exposure accounts, expect underwriters to request additional risk control information or contracts.

Territories and Availability

Veracity’s Excess & Umbrella program is available in all 50 states and Washington, D.C. We can handle nationwide placements and coordinate required filings or carrier access depending on whether an admitted or non-admitted solution is used.

Why Work With Veracity Insurance Solutions?

Veracity is a wholesale broker with specialized expertise placing liability coverage for complex or niche industries. Our in-house binding authority speeds placements for many classes, while our broad market relationships let us place risks that sit outside internal appetite. We emphasize responsive service, collaborative underwriting, and flexible options to help you secure competitive excess and umbrella solutions for your clients.

Frequently Asked Questions

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