Construction LiabilityConstruction Liability
Navigators Specialty provides general liability insurance for contractors and represents the largest segment of Navigators' Specialty business. We write a large variety of commercial and residential subcontractors and general contractors business. We also entertain project specific policies on either an entity specific or wrap-up policy approach.


Personal UmbrellaPersonal Umbrella
Our personal umbrella products include both personal umbrella and personal excess on an individual risk basis. Through our facilities, we can provide coverage up to $10 million for standard risks and $5 million for non-standard accounts, including people in high profile occupations.
 
We bring flexibility, creativity and solutions for your clients that have:

  • Different underlying carriers for homeowners and automobile ( subject to acceptable A.M. Best rating) 
  • Risks with youthful operators or driving violations
  • Risks with recreational vehicles, including ATVs, boats, and snowmobiles
  • Other special situations

Liquor LiabilityLiquor Liability Package Program
We serve the hospitality industry with our niche program that allows us to write Liquor Liability on a monoline basis or packaged with the General Liability.  Risks in the business of selling, serving or providing alcohol are eligible including:

  • Bars (including sports bars)
  • Pubs & Taverns
  • Restaurants
  • Private Clubs
  • Adult Entertainment Clubs
  • Retail and Package Stores
  • Wholesalers/Distributors
  • Special Events 

We have the ability to write in all states and our experienced staff can usually provide quotes within 48 hours of receiving the underwriting specifications. Our minimum premiums are $1,500 for monoline liquor liability and $5,000 for liquor liability packed with general liability coverage. Our product is provided on a non-admitted basis through appointed wholesale brokers.

Commercial Middle MarketsCommercial Middle Markets
We underwrite property and casualty insurance products for specific niche businesses, including general liability insurance for contractors, and property/casualty insurance for metalworkers, light manufacturing, commercial real estate owners and bars/restaurants.  Auto, commercial excess liability and umbrella coverage are also available.


Primary CasualtyPrimary Casualty
Through its offices Navigators' Primary Casualty unit provides primary general liability insurance on a non-admitted basis through select appointed wholesale brokers.  Targeted customers include: manufacturers, importers, hospitality business and commercial real estate owners.


Specialty ProgramsSpecialty Programs
Programs within the Specialty Program division consist of homogeneous books of specialty business written through underwriting experts.  Our Program business consists of groups of homogenous risks written through third party underwriting managers.  Current programs underwritten include: wineries, underground storage tanks, personal articles floaters, lumber products and more.

Excess CasualtyExcess Casualty
Our Excess Casualty division provides commercial umbrella and excess capacity to $25 million. From individual risk through umbrella programs, we've got you covered. Our areas of specialty include:

  • Manufacturing and wholesale distribution
  • Commercial construction
  • Residential construction
  • Construction project and wrap-up covers 
  • Business services, hospitality and real estate
  • Program niches, including program personal excess to $10 million in limits

Contact UsContact An Underwriting Specialist
Click here for a complete listing of contacts.