E-Risk Services offers competitive and broad excess liability coverage for Cyber, Nonprofit and For-Profit Management Liability (including Employment Practices Liability and General Partnership Liability), and Professional Liability risks.
Excess Liability Coverage
What we cover:
- We provide follow-form excess liability coverage over the primary insurer’s policy
What we write:
- Will write over most other carriers
- Ability to consider top-heavy coverage
- Ability to consider additional classes outside of our primary appetite
- Accounts with claims
- Revenue exceeding the underlying threshold
Why buy coverage?
- In a constantly evolving market, insured’s may need additional layers of liability to protect their business from large losses that exceed their primary coverage limit
- To fulfill a contract requirement
Forms
Understanding coverage
- Up to $5M in limits
- Follow form on excess
- Ability to provide drop-down coverage over sub limits
Terms
- We write follow-form excess liability
- Up to $5m in capacity
- Dropdown coverage available on sublimits
Underwriting
We will need the primary carrier’s full underwriting submission. In order to issue an excess policy, we require copies of underlying quotes, binders, and policies.
Target classes
All classes we can consider for primary coverage including additional classes, such as:
- Homeowners and condo associations
- Managed service providers
- Medical billing
- Debt collectors
- Housing risks
- Quasi-governmental organizations
- Animal welfare
- Schools
- Conservation organizations
- Event management services
- Providers of mission-critical systems