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Commercial Umbrella Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a robust Commercial Umbrella Liability Insurance program designed to help agents and brokers protect their commercial clients against catastrophic liability losses. This program provides excess limits over the insured’s primary liability policies, including general liability, auto liability, and employer’s liability. It also helps close gaps and exclusions that may exist in the underlying coverage. Ideal Accounts and Appetite This program is well-suited for a wide range of commercial clients who require higher liability limits or who operate with elevated risk exposures. Ideal accounts include, but are not limited to: Contractors and construction firms with multiple job sites Retail businesses with significant foot traffic Distributors and manufacturers with product liability concerns Transportation and logistics companies needing excess auto liability Hospitality businesses such as restaurants or event venues with liquor liability exposures If you have a client with a growing operation or a high public exposure, this umbrella product can provide the additional peace of mind they need to operate confidently. Coverage Highlights and Advantages The commercial umbrella policy from First Choice can provide: Worldwide coverage Personal injury protection Blanket contractual liability for both written and oral contracts Care, custody, and control coverage Non-owned aircraft and watercraft liability Advertisers and liquor liability XCU (explosion, collapse, underground) liability Extensions of coverage to additional insureds This policy is designed to pick up where primary policies leave off, offering critical protection in high-severity loss scenarios. The umbrella can also respond when certain exclusions in primary policies might otherwise leave the insured exposed. Underwriting Notes and Deductibles The program requires underlying primary third-party liability coverage to be in place. Deductibles apply based on the underlying policy terms and limits. Premium financing is available, making this program an accessible option for a wide range of clients. While there is no fixed minimum premium listed, the program is structured to be competitive and flexible depending on the risk profile. Contact First Choice for underwriting requirements on specific accounts. Territories and Market Access First Choice Insurance Intermediaries, Inc. offers access to this program in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Coverage is available in both admitted and non-admitted markets depending on the risk and jurisdiction, allowing flexibility to meet diverse client needs. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings deep market access and underwriting expertise to help you place challenging or high-limit liability accounts. Their umbrella liability product is designed for flexibility, with broad coverage and support for a wide range of industries. Whether your client operates nationally or regionally, First Choice can help you secure the protection they need to safeguard their business against large-scale liability exposures. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for contractors, manufacturers, distributors, transportation firms, retailers, and hospitality businesses with significant liability exposures or the need for higher coverage limits. What underlying coverages are required?Insureds must carry primary liability policies such as general liability, auto liability, and employer’s liability. These serve as the foundation for the umbrella policy to provide excess coverage. Is premium financing available?Yes, premium financing is available to help make coverage more accessible for your clients. Is this coverage available in admitted markets?Some markets within this program are admitted, while others are non-admitted. Availability depends on the state and the nature of the risk. In which states is this program available?This Commercial Umbrella program is offered in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.

At Insential, Inc., we specialize in helping insurance agents and brokers secure tailored coverage solutions for clients requiring higher liability limits. Our Excess Liability Insurance program is designed to provide the additional protection your insureds need when primary general liability or umbrella policies may not be enough to absorb catastrophic losses. Whether you're placing a large commercial account with layered risk or helping a smaller business mitigate exposures beyond their current limits, we can support your placement strategy with flexible excess solutions. Ideal Accounts and Appetite This program is suitable for a wide range of general commercial classes. We have particular experience with: General contractors and subcontractors Amateur sports organizations and venues Hospitality and entertainment risks Manufacturers, wholesalers, and distributors Large commercial real estate and habitational risks Whether your client is a national contractor requiring layered excess protection or a regional sports league seeking a single layer of added coverage, we can work with you to structure a solution that matches their risk profile. Coverage Highlights and Advantages Excess capacity placement over primary or umbrella policies Ability to participate in towers and layered placements for large accounts Support for both high-limit and modest-limit needs Flexible carrier access—utilize one or more markets to tailor protection Placement available for most general liability classes With our deep industry relationships and diligent risk evaluation, we help you deliver well-structured excess liability solutions to your most complex accounts. Underwriting Notes and Minimum Premiums Each submission requires a fully completed ACORD application. Underwriting is based on a comprehensive review of operations, loss history, and existing coverage structure. Minimum premiums vary depending on the risk class, limits requested, and program structure. Territories and Availability Our Excess Liability Insurance program is available in most states, including but not limited to CA, FL, NY, TX, IL, and GA. We offer access to markets across the U.S., including both admitted and non-admitted options, with most coverage placed in non-admitted markets for greater flexibility. Why Work With Insential As an experienced Excess & Surplus Lines Broker, Insential brings specialized knowledge and strong carrier relationships to every placement. Our team works closely with agents and brokers to understand each client’s needs and find the most effective coverage structure. Whether you're placing a single-layer excess policy or building a multi-layer tower, we can help you deliver competitive, reliable options to your clients. Fully completed ACORD application is required For more information about our Excess Liability Insurance or other available products, please call us at 888-571-6160. Frequently Asked Questions What types of accounts are a good fit for this Excess Liability Insurance program?We work with a wide range of commercial accounts, including general contractors, amateur sports organizations, manufacturers, and hospitality businesses. Both large and mid-sized risks are considered. Can you place excess liability in a layered structure or tower?Yes. For larger accounts, we can participate in layered programs or structured towers to help achieve the total limits your client requires. Do you work with admitted or non-admitted markets?Most placements are made through non-admitted markets, giving us the flexibility to handle complex or higher-risk accounts. Availability may vary by state and class. What is required to begin underwriting a submission?A fully completed ACORD application is required. Additional documentation such as loss runs, underlying coverage details, and supplemental forms may be requested based on the risk. Is there a minimum premium for this program?Minimum premiums vary based on the risk profile, coverage limits, and market conditions. Contact us to discuss your specific account. Need help placing an account? Connect with a market specialist.

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Contact RISC Inc. today for direct access to Demolition Select, a tailored and admitted insurance program designed specifically for demolition contractors. This program provides comprehensive coverage solutions for demolition operations that generate a minimum of $150,000 in annual receipts. Coverage Available for Demolition Contractors: Commercial General Liability Excess Liability Property & Inland Marine Commercial Auto General Liability & Excess: $1,000,000 Per Occurrence $2,000,000 General Aggregate $2,000,000 Products/Completed Operations Aggregate* $100,000 Fire Damage Legal Liability $1,000 Minimum Deductible, Per Occurrence Up to $5,000,000 In-house Follow-form Excess Authority (additional limits available with underwriting approval) Special Extensions Available: Blanket Additional Insured Per Job Aggregate Blanket Waiver of Subrogation Employee Benefits Liability Direct Billing Available Submission Requirements: Completed ACORD Applications Supplemental Application Five years of currently valued loss runs with details for losses over $10,000 Two-year job list and/or current certificate holders list Five years of premium, payroll, and receipts RISC Inc. is a trusted Program Administrator with extensive experience in placing demolition contractor risks. With Zurich North America as the carrier partner, this program is backed by strong underwriting and financial stability. The Demolition Select program is available in most states, including CA, TX, NY, FL, IL, PA, and many others—covering 48 states plus DC. This program is ideal for contractors who specialize in structural, interior, or selective demolition work. Whether your client handles high-rise building demo in urban areas or industrial site clearing in rural zones, RISC can help you secure coverage that fits. Example Account Fit: You might have a client who performs building demolition in major metro areas with high equipment values and subcontractor exposure. Or, a contractor who focuses on interior demolition in commercial renovation projects. Both would be strong fits for this program, provided they meet the minimum receipt threshold. There is no stated minimum premium, and underwriting is flexible based on risk characteristics. RISC works closely with agents to provide fast turnarounds and competitive options for tough-to-place demolition accounts. Call RISC today for help on all of your Demolition Contractors Insurance needs! Frequently Asked Questions What types of accounts are a good fit for the Demolition Select program?Accounts with at least $150,000 in annual receipts that perform structural, interior, or selective demolition work are ideal. The program is suited for both urban and rural demolition contractors. Is this program admitted or non-admitted?Demolition Select is an admitted program available in most states, offering stability and regulatory compliance for your clients. Which carrier backs this program?The program is underwritten through Zurich North America, providing strong financial backing and trusted claims handling. Are there any minimum premium requirements?There is no stated minimum premium, allowing flexibility depending on the size and scope of the demolition operation. What submission materials are required to quote?Agents need to submit ACORD forms, a supplemental application, five years of loss runs, a two-year job list or certificate holders list, and five years of premium, payroll, and receipts data. Need help placing an account? Connect with a market specialist.

Amwins Program Underwriters' Demolition Contractors program through Amwins Underwriting is a specialty placement for demolition, wrecking and salvage contractors. As a managing general agency, Amwins offers a focused package that combines general liability, auto, pollution, and excess liability to address the primary exposures of demolition operations. The program targets established demolition contractors and provides specialty underwriting, loss-control support, and superior claims handling via an AM Best "A" rated carrier. Overview of the Program from Amwins Underwriting This program is designed for contractors who perform demolition and salvage work as their primary business. Coverage can include: Commercial General Liability Automobile Liability (including pollution-contaminant liability on autos) Pollution liability (operations-related) Excess/Umbrella limits to broaden protection Limits are competitive for this class: General Liability up to $1,000,000 per occurrence / $2,000,000 aggregate and Automobile up to $1,000,000 CSL. General Liability is placed on non-admitted paper; other lines are typically written on admitted paper. Ideal Accounts and Appetite This program is a strong fit if your client meets the following: At least 75% of gross receipts are from demolition-related activities. Primary operations include selective demolition, structure dismantling, salvage, and site clearance without high-hazard methods. Clients who handle recycling of construction debris, excavation, or grading as incidental operations (collectively up to 25% of GL receipts). Examples of good-fit accounts: A mid-sized contractor performing commercial interior and selective structural demolition with on-site salvage and debris recycling. A salvage operator who specializes in controlled dismantling and scrap recovery with limited subcontracting. Underwriting Notes and Restrictions Minimum premium: $10,000 for General Liability. Subcontracting limits: not eligible if more than 25% of demolition operations are subcontracted to others. Ineligible operations: wrecking-ball demolition and blasting performed by the insured are excluded. Inspections and loss control reviews are commonly required for new and renewal accounts. Coverage Advantages Program tailored specifically to demolition/salvage exposures rather than placed in a broader construction marketplace. Access to admitted wording for most lines (GL on non-admitted paper only) with an AM Best "A" rated insurer behind the program. Local rating and underwriting decisions through Amwins' specialty team and superior claims and loss control service designed for this class. Territories and Availability Available in all U.S. states except Alaska (AK) and Hawaii (HI). Underwriting availability and specific terms may vary by state due to regulatory differences. Why Place This Business with Amwins Underwriting As a managing general agency, Amwins Underwriting brings niche expertise in demolition risks, strong carrier relationships, and dedicated service for agents. Use this program when you need a market that understands demolition exposures, will consider packaged liability/auto/pollution placements, and can offer excess capacity for larger accounts. Frequently Asked Questions What types of demolition contractors are a good fit for this program?Contractors whose primary business (at least 75% of receipts) is demolition, wrecking, salvage or selective dismantling and who do not perform blasting or wrecking-ball work. Incidental excavation, grading and debris recycling are acceptable up to 25% of GL receipts. Is General Liability placed admitted or non-admitted?General Liability for this program is generally placed on non-admitted paper; other lines such as auto and pollution are typically placed on admitted paper. Final placement depends on state availability and underwriting. What are the key underwriting requirements I should expect?Expect a minimum GL premium of $10,000, subcontracting limits (no more than 25% of demolition operations subcontracted), and routine loss-control reviews or inspection reports for new or higher-exposure accounts. Are blasting, wrecking ball, or heavily subcontracted jobs eligible?No. The program excludes blasting and wrecking-ball operations performed by the insured, and it will not accept accounts where more than 25% of demolition operations are subcontracted out. Need help placing an account? Connect with a market specialist.