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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.