Select Country:
      Excess Casualty:
Umbrella & Excess (Retail Agency)
Energy & Engineering
Inland Marine
Primary Casualty
Excess Casualty
Umbrella & Excess (Wholesale Brokerage)
Umbrella & Excess (Retail Agency)
Management Liability
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Environmental Casualty
Protection & Indemnity

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.

Peter Burns   President  (203) 905-6380
Ryan Morris   U.S. South, Southeast, Central and West  312 506-8177
Ryan Morris  (AK, AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY MI, MN, MO, MS)  312 506-8177
Ryan Morris  (MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, WA, WI, WY)  312 506-8177
Ashleigh Sears  U.S. Northeast (CT, MA, ME, NH, VT, RI)  617 261-8409
Josh Evans  U.S. Northeast (DC, DE, MD, PA, NJ, VA, WV)  267 234-9890
Dave Mendes  U.S. Northeast (NJ, NY)   212 613-4221
Josh Elmore  U.S. Northeast (NJ, NY)  212 613-4295
Karen Gilbert  USA - SOUTH & SOUTHEAST (AK, AL, FL, GA, LA, MS, NC, SC, TN)  (770) 510-2014