Excess Liability Insurance
What is excess liability insurance?
Excess liability insurance provides additional protection for businesses that exceed the limits of their primary insurance policy. Since certain industries lend themselves to a higher level of risk, excess casualty liability insurance protects clients from losses that can occur from significant claims or verdicts.
What do we offer?
Alta’s excess liability underwriters specialize in providing unsupported solutions for opportunistic casualty risks. Working with appointed wholesale brokers nationwide, we entertain both lead and excess attachments and provide flexible casualty coverage and fast turnaround.
Who does excess liability insurance protect?
Our target market segments include, but are not limited to:
Commercial and residential construction
- Alta’s commercial construction definition includes new apartment work and residential re-work
- WRAP and project-specific capabilities for new commercial and apartment construction
- Coverage available in all states, except for New York construction risks
- Air conditioning/heating installation
- Auto dismantling or salvage yards
- Carpentry
- And more…
Specialty auto
- Beverage distributing
- Concrete – mixed in transit
- Concrete pumping
- Garbage collection
- Moving and storage
- Sand and gravel hauling
- And more…
Manufacturing and distribution
- Auto service repair
- Concrete products, including structural
- Food products – all types
- Electrical products
- Plastics and rubber goods
- Metal products
- And more…
Real Estate and OL&T
- Condo/townhome associations
- Homeowners associations
- Dwelling schedules
- Commercial real estate
- Commercial real estate development
- Mixed-use development
- And more…
Our Excess Liability underwriters are strategically located across the U.S.
Excess Products
Alta can provide coverage to commercial and residential construction risks. With a broad appetite, we can respond quickly to the Excess Liability insurance needs of both contractors and commercial projects.
Learn MoreAlta has the deep industry knowledge and experience to provide unsupported excess capacity for manufacturing and distribution risks, including products manufactured internationally and distributed in United States. Our underwriters will consider the origin, life cycle and the end use of products when underwriting the risk.
Learn MoreAlta specializes in accounts with prior loss issues, venue restrictions or the need for increased limits. Our experienced underwriters can tailor coverage for a wide array of exposures. We provide insurance solutions for target classes by providing Follow Form Professional coverage for BOP-related classes, and Follow Form Directors & Officers on association risks.
Learn MoreAlta specializes in niche auto classes with a local and intermediate radius of operation. While limits vary depending on venue, class and prior performance, we target both, auto buffer business and accounts requiring up to $5M in excess capacity.
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