About This Coverage

About This Coverage

Every day businesses are faced with mitigating some type of new liability risk and defending potential litigation. For that reason, purchasing a liability umbrella policy is coverage that no business should go without. Provide your clients with added liability protection and alleviate their concerns about losing income or assets.

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State Eligibility

Eligible State

State Not Available

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Industries Available

  • Agriculture

    Agriculture

  • Mining

    Mining

  • Utilities

    Utilities

  • Construction

    Construction

  • Manufacturing

    Manufacturing

  • RetailTrade

    Retail Trade

  • Transportation

    Transportation and Warehousing

  • Information

    Information

  • Finance

    Finance and Insurance

  • RealEstate

    Real Estate Rental and Leasing

  • ProfessionalScientific

    Professional, Scientific, and Technical Services

  • Management

    Management of Companies and Enterprises

  • Administrative

    Administrative and Support

  • Education

    Educational Services

  • Health

    Health Care and Social Assistance

  • Arts

    Arts, Entertainment, and Recreation

  • Accomodations

    Accommodation and Food Services

  • OtherServices

    Other Services except Public Administration

  • Public

    Public Administration

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Coverage Limits

Up To

$25M

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Key Features

  • Umbrella coverage over general liability, auto liability, employer liability and liquor liability policies.
  • Policy limits up to $5 million*
  • $500 minimum premium per layer
  • Available as standalone or over our Binding Commercial Products
  • Written on admitted paper
  • Over 260 classes available
  • * For risk outside of the maximum limits/premium and/or appetite, please contact an Osprey underwriter for review.
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Preferred Classes

  • ALL STANDARD CLASSES OF BUSINESS, INCLUDING:
  • Artisan Contractors
  • Bowling Centers
  • Commercial & Habitational Real Estate
  • Homeowners & Condominium Associations
  • Professional Offices
  • Restaurants
  • Retail Trade
  • Service Industry
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Restricted Classes

All Standard Classes of Business, including:

  • Aviation products
  • Energy (including fuel oil dealers)
  • Healthcare
  • Nursing Homes
  • Pharmaceuticals & Nutriceuticals
  • Professional liability
  • Trucking and Transportation

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Underwriting Guidelines

  • Employee Benefits Liability: $1 million general aggregate
  • Auto Liability: $1 million combined Single Limit
  • Employers Liability: $500,000 each accident, $500,000 disease-policy limit, and $500,000 disease-each employee
  • Liquor Liability: $1 million each common cause or each occurrence/$1 million general aggregate
  • All underlying carriers must be rated A-VI or better by A.M. Best
  • All policies must provide defense costs in addition to the limits (Defense Outside)

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Submission Requirements

  • ACORD Application, fully completed and signed
  • Supplemental Application
  • 3-5 Years of Loss Runs
  • Send submissions to quotes@ospreyuw.com