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Umbrella & Excess (Wholesale Brokerage)
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We provide a superior commercial umbrella product for specialties such as manufacturing and wholesale distribution, commercial and residential construction, construction projects, wrap-up covers and many others. Our solutions are tailored to the specific needs of wholesale brokers. Coupled with prompt, accurate policy servicing, we’ve got it covered.


Customer Profile:

  • Manufacturing
  • Hospitality services (resorts, country clubs, hotels & restaurants)
  • Retail chains
  • Wholesale trade
  • Commercial construction, including wraps
  • Residential construction, including wraps

Minimum Premium: Policy minimums range from $10,000 to $25,000, depending on region


Capacity: Up to $25 million in-house capacity 


Distribution: Wholesale Brokers & Program Managers


Territories where this product can be provided: All U.S. with limited appetite in Louisiana, Alabama and Mississippi


Key Features:

  • Umbrella and excess policy covers
  • Following form excess policy
  • Ability to quota share layers
  • Construction wrap policies
  • Admitted policies available in 45 states

Submission Guidelines:

  • ACORD applications
  • Five years of loss history
  • Supplemental applications
  • Copy of underlying quote letters


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.


Tim Ryan   PRESIDENT  (732) 623-5655
Mike Gramm  CENTRAL  (312) 506-8146
Kyle Sternadori  NORTHEAST  (212) 613-4330
Mary Burns  NORTHWEST  (206) 448-1765
Wes Rapp  SOUTH  (713) 985-5166
Ronda Cleapor  SOUTHEAST  (770) 510-2007
Anna Tan  WEST  (415) 217-8521