Overview of the Program from Worldwide Facilities, LLC
This Casualty program provides both primary and excess CGL capability through wholesale channels. Underwriters consider a broad mix of classes — from habitational and real estate risks to manufacturers and contractors — and can package casualty with property where appropriate. The program is designed to handle non-standard exposures that may need specialized terms, higher limits, or niche endorsements.
Ideal Accounts and Appetite
The program is a strong fit for agents who need capacity for:
- Public entities, school districts and municipal exposures
- Entertainment venues, restaurants, nightclubs and bars
- Manufacturers (consumer products, food processing, medical devices, pharmaceuticals)
- Product recall and nutraceutical manufacturers
- Railroad protective and railroad-related exposures
- Contractors including general, sub-contractors and equipment rental operators
- Specialty exposures such as active shooter/assailant response and abuse/molestation
Target Classes
- Active Shooter / Assailant
- Agricultural
- Cannabis/CBD
- Discontinued Products
- Entertainment
- Medical Suites
- Municipalities/Schools
- Nutraceuticals
- Product Recall
- Public Entity
- Railroad Protective
- Real Estate
Manufacturers
- Automotive Equipment / Parts
- Consumer Products of All Types
- Food Processing & Distribution
- Heavy Machinery / Equipment / Tools
- Medical Products
- Pharmaceuticals
- Recreational / Safety Equipment
- Sporting Goods
- Valves & Boilers
- Vitamin & Nutritional Supplements
Premises Exposures
- Amusement Parks
- Habitational Risks
- Health & Exercise Clubs
- Property Owners and Managers
- Research & Development Firms
- Restaurants, Nightclubs & Bars
- School Districts & Municipalities
- EPLI & Abuse / Molestation
Contractors
- Environmental & Energy
- Equipment Rental Operators
- General & Subcontractors
- Owner/Contractor Controlled
- Residential & Commercial
Coverage Highlights and Advantages
- Primary and excess casualty capacity to address both routine and higher-risk accounts.
- Ability to package casualty with property for streamlined placement and broader protection.
- Underwriting experience for specialized exposures: product recall, public entity liability, active assailant, and contractor wrap-ups.
- National footprint with underwriting relationships to place across most states and territories.
Underwriting Notes
Underwriters evaluate risk based on class, operations, loss history and controls. Common submission requirements include current applications, loss runs, product descriptions (if applicable), and copy of leases or contracts for premises/OCIP work. If you have an account with higher limits, product exposure, or public entity operations, highlight loss control measures and any risk mitigation programs to improve terms.
If you have questions about minimum premiums, specialty endorsements, or surplus lines placement, contact the program underwriter at [email protected].
Territories and Availability
Available for placement in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, 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, WY. Contact the wholesale desk for state-by-state filing and admitted vs. non-admitted capacity options.
Why Work with Worldwide Facilities, LLC
As a wholesale broker, Worldwide Facilities combines national market access with specialty underwriting expertise. Agents benefit from access to admitted and surplus capacity, flexible package options, and underwriters experienced in placing complex casualty risks. The program is geared toward brokers who need a partner to resolve placement challenges rather than a standard paper fit.
Example Account Scenarios
- You have a regional manufacturer of consumer sporting goods with product distribution nationwide and a recent product change — this program can help secure product liability limits and product recall coverage.
- You represent a multi-site restaurant group with habitational exposures and prior liquor liability losses — the program can place primary and excess limits and bundle property where needed.
Contact the Casualty desk at [email protected] to discuss submissions, appetite, and next steps.
Frequently Asked Questions
What types of accounts are a good fit for this Casualty program?
Accounts with complex or non-standard exposures — for example, product manufacturers, public entities, contractors with OCIP needs, restaurants/nightclubs, and risks requiring active assailant or product recall coverages — are a good fit.
Which states do you write in and do you offer admitted paper?
This program writes in the states listed on the storefront (including CA, NY, TX, FL and many others). Worldwide Facilities can access both admitted and surplus lines capacity depending on the state and risk; contact the desk for state-specific filing options.
What should I include in a submission to get fast consideration?
Provide a completed application, currently valued loss runs (typically 5 years), detailed operations description, product details if applicable, and any contract or lease documents for premises or contractor placements.
Can casualty be packaged with property or other lines?
Yes. The program can package casualty with property and coordinate primary/excess placements where markets are available. Indicate packaging needs upfront so underwriters can evaluate combined terms.
Who do I contact with a new submission or question?
Email the Casualty desk at [email protected] for appetite guidance, submission instructions, and turnaround expectations.
Need help placing an account? Connect with a market specialist.