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Many digital-savvy consumers look for it as a core or add-on option.
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Commercial Umbrella Liability Insurance for Large Global and National Companies
Coverage Details
- Lead or excess placements
- $25 million limits available (with option to ventilate)
- AutolLiability: $2 million CSL $10 million transportation risks
- Catastrophe management
- Foreign local admitted policies
Available coverage enhancements
- Local admitted policies in foreign countries where required
- Cat Management 2.5℠
- Most favorable jurisdiction
- Third party discrimination
- Specialty Suite Coverages℠ for real estate, hospitality & restaurant risks
Minimums
Premium
- $100,000 per Policy unless on an excess basis
Underlying requirements
- General liability: $2M per Occurrence/$4M General Aggregate/$4M Products Aggregate
- Auto liability: $2M CSL/$10M Transportation Risks
- Employers liability: $1M
Target Client
- Financial institutions
- Hospitality risks
- Light manufacturing
- Real estate portfolio
- Pharmaceuticals (if excluding products)
- Retail operations
- Wholesale distributors
Restricted Industries:
- Aviation products
- Asbestos products
- Invasive medical products
- Nursing homes/HPL
- Pharmaceuticals (if including products)
- Professional liability
Account Characteristics
- Significant client interaction expected as part of the underwriting, claims adjustment and service proposition
- Employ a risk manager or risk management program that is run by corporate finance or general counsel
- Retain significant risk via high deductibles, self-insured retentions and cash flow programs
- Use multiple broker advisors (i.e. separate property, casualty, professional lines coverages)
- Buy tailored products typically on a global basis
- Require significant capacity by product provided by multiple carriers
- Generally have revenue of $1B and greater
Resources
Our new excess umbrella form now includes key features. Find more details here.
For U.S. enterprises to multinational corporations, Chubb offers specialized excess casualty products. Find more details here.
Learn how to more effectively manage and track your U.S. Excess Casualty program.