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We provide a superior retail umbrella product in specialties such as manufacturing and wholesale distribution, as well as many others. We tailor this specific appetite to the unique needs of the retail agency community. Coupled with prompt, accurate policy servicing, we design coverage for individual risks and niche specialty classes.

 

Customer Profile:

  • Real Estate
  • Manufacturing
  • Retail
  • Hospitality + Lodging
  • Wholesale Distribution  
  • Business Services
  • Financial Institutions
  • Restaurants
  • Education
  • Entertainment
  • Auto Buffers
  • Non-Profits

 

Capacity: $25 million with the ability to ventilate layers

 

Distribution: Appointed Retail Brokers (up to 15% commission)

 

Territories where this product can be provided: Admitted in all U.S., except FL, LA, AK and VT

 

Key Features:

 

Umbrella Form

 A/B Policy

  • Coverage A: incorporates underlying terms
  • Coverage B: potential  dropdown for losses not covered by underlying

Enhancements Available

  • Most Favorable Venue
  • Named Peril Time Element
  • Manuscript Forms

Minimum Premium: $1,750/Million

 

Excess Forms:

Excess Liability Policy

  • Ability to Quota Share and ventilate capacity
  • Provides Duty to Defend
  • Incorporates underlying terms

 

Following Form Excess Policy

  • Short follow form format
  • Reduces chance of coverage gaps
  • Aggregates track with underlying
  • Ability to Quota Share and ventilate capacity

Minimum Premium: $1,000/Million

 

 

Submission Guidelines:

  • Description of operations
  • Revenue from insured operations
  • Historical and projected exposures
  • Minimum of five years of loss history
  • Sample contracts—if applicable
  • Copy of underlying quote letter

 

Information contained herein is for informational purposes only and shall not constitute an offer.  All coverages may not be available in all locations.  Only the policy itself can confer specific coverage and benefits.  Contact your Navigators representative for more information.

UMBRELLA & EXCESS (RETAIL AGENCY) Contact(s)
Peter Burns   President  (203) 905-6380
Ryan Morris  (AR, AZ, CA, CO, IA, ID, IL, IN, KS, MI, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WI, WY)  (312) 506-8177
Andrew Dicob  USA - NORTHEAST & MID-ATLANTIC (CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VA, VT)  (212) 613-4363
Karen Gilbert  USA - SOUTH & SOUTHEAST (AK, AL, FL, GA, LA, MS, NC, SC, TN)  (770) 510-2014
Anna Edwards  USA - THREE RIVERS (KY, OH, PA, WV)  (412) 995-2257