Umbrella & Excess Liability Resources
In the design and construction industry, a single multi-party lawsuit or a severe auto accident can quickly exhaust the limits of a primary policy. While we don’t manage your firm’s legal strategy, we help you access the resources needed to build a resilient tower of coverage that protects your balance sheet against "worst-case" scenarios.
Our role is to help you understand how high-limit coverage integrates with your overall program and to connect you with carrier-backed insights for managing large-scale exposure.
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Large-Loss Trend Analysis
Through our carrier partnerships, we provide firms with data on "Nuclear Verdicts" and large-loss trends within the A&E and construction sectors. Understanding where the "top of the house" is being hit helps you make informed decisions on how much limit is enough.
These insights focus on:
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Verdict Trends: Monitoring high-award jurisdictions and how they impact design professionals.
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Cost of Defense: Understanding how legal fees can erode primary limits, leaving you reliant on your Umbrella/Excess layers.
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Catastrophic Case Studies: Reviewing real-world examples of how excess layers were triggered in construction defect or bodily injury suits.
2
Contractual Limit Requirement Reviews
Clients often demand high liability limits in their contracts (e.g., $\$10M$ or $\$25M$ towers). We help you access resources to evaluate these requirements against your current program.
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We facilitate guidance on:
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Capacity Tracking: Identifying which carriers are currently offering the most competitive "follow-form" excess capacity.
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Compliance Checks: Ensuring your Umbrella policy matches the underlying requirements of your most important client contracts.
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Vertical vs. Horizontal Limits: Understanding the most efficient way to structure your liability layers.
3
Fleet & Corporate Auto Safety Resources
Since auto accidents are a leading driver of Umbrella and Excess claims, we connect you with specialized resources to improve driver safety and reduce the risk of a catastrophic road incident.
Access tools such as:
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Telematics & Dashcam Integration: Carrier-discounted tech to monitor driver behavior.
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MVR (Motor Vehicle Record) Standards: Best practices for vetting employees before they get behind the wheel.
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Corporate Auto Policies: Templates for cell phone use and vehicle maintenance logs.
4
Specialized "Follow-Form" Evaluations
The value of an Excess policy is its ability to "follow" the terms of the underlying insurance. We help you access technical reviews to ensure there are no "gaps" between your primary and excess layers.
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This includes reviewing:
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Exclusion Alignment: Ensuring a "silent" exclusion in an excess policy doesn't leave you with a massive out-of-pocket hole.
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Crisis Management Tools: Accessing carrier-provided PR and crisis response teams often included in high-limit liability packages.
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Start your coverage with experts who understand your industry.