Do you offer standalone excess liability?

Overview

It is becoming increasingly common for contractors to need higher limits to fulfill contracts and meet state requirements. As claims, litigation, and costs continue to rise, insurance agents should consider securing excess casualty coverage for their clients ahead of time. Pathpoint offers non-admitted excess general liability for small business contractors fast and efficiently. Agents can request quotes for monoline excess or obtain excess coverage with their general liability.

Available Classes for Contractors

ISO Code	Description
91111	Air Conditioning Sys. or Equip. - dealers or dist. & installers
91127	Alarms and Alarm Systems-installation, servicing or repair
91150	Appliances and Acc. installation, servicing or repair-commercial
91155	Appliances and Acc. installation, servicing or repair-household
91315	Cable or Subscription Television Companies
91342	Carpentry
91340	Carpentry - construction of residential property not exceeding three stories
91341	Carpentry - interior
91343	Carpentry - shop only
91405	Carpet, Rug, Furniture or Upholstery Cleaning - on customers' premises
91436	Ceiling or Wall Installation - metal
91481	Chimney Cleaning
91523	Cleaning or Renovating-outside surfaces of bldgs.
91551	Communication Equipment Installation - ind. or comml.
91560	Concrete Construction
91585	Contractors - subcontracted work - buildings
91580	Contractors – Executive Supervisors or Executive Superintendents
91583	Contractors – subcontracted work – in connection with building construction, reconstruction, repair or erection – one or two family dwellings
91591	Contractors – Subcontracted Work – Other Than Construction-Related Work for Excess Liability
91580	Contractors Executive Supervisors or Superintendents
91590	Contractors Permanent Yards - maintenance or storage of equipment or materials
91581	Contractors-subcontracted work-in connection with construction, reconstruction, erection or repair-not buildings
91629	Debris Removal-construction site
90670	Decorator - Outdoor or Indoor Displays - Commercial or Residential
91805	Draftsmen
92102	Drilling - Water
92215	Driveway, Parking Area or Sidewalk - paving or repaving
92338	Dry Wall or Wallboard Installation
92451	Electrical Apparatus - installation, servicing or repair
92478	Electrical Work - within buildings
94007	Excavation
94276	Fence Erection Contractors
94569	Floor Covering Installation – not ceramic tile or stone
95124	Furniture or Fixtures - installation in offices or stores- portable-metal or wood
95410	Grading of Land
95487	Greenhouse Erection
95505	Guniting or Shot-Crete
95625	Handyperson
95647	Heating & Air Conditioning Equip. - inst. & repair - no LPG
95648	Heating & Air Conditioning Equip. - installation & repair
96053	House Furnishings Installation
96410	Insulation Work – Mineral
96611	Interior Decorators
96816	Janitorial Services
97047	Landscape Gardening
97050	Lawn Care Services
97447	Masonry
97650	Metal Erection - decorative or artistic
97653	Metal Erection - nonstructural
97652	Metal Erection – In the Construction of Dwellings Not Exceeding Two Stories in Height
98304	Painting - exterior - build or struct - 3 stories or less
98305	Painting - interior - buildings or structures
98308	Painting - shop only
98344	Paperhanging
98449	Plastering or Stucco Work
98482	Plumbing - commercial and industrial
98483	Plumbing - residential or domestic
98502	Prefabricated Building Erection
98522	Pressure Washing (Power Washing)
98636	Refrigeration Systems or Equipment - dealers and distributors and installation, servicing or repair-commercial
91300	Remodeling Contractor
98640	Renovating – outside surfaces of buildings
98678	Roofing – Residential – Three Stories and Under
98805	Septic Tank Systems - cleaning
98806	Septic Tank Systems - installation, service or repair
98813	Sewer Cleaning
98820	Sewer Mains or Connectors Construction
98884	Sheet Metal Work - outside
98967	Siding Installation
98993	Sign Erection, Installation or Repair
99003	Sign Painting or Lettering - inside of buildings
99004	Sign Painting or Lettering - on Buildings or Structures
99080	Solar Energy Contractors
99505	Swimming Pool Servicing
99506	Swimming Pools - installation, servicing or repair - above ground
99507	Swimming Pools - installation, servicing or repair - below ground
99650	Television or Radio Receiving Set Installation or Repair
99746	Tile, Stone, Marble, Mosaic or Terrazzo Work - interior
99777	Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating
99948	Water Softening Equipment - installation & service
99975	Window Cleaning
99986	Wrecking - buildings or structures

Available Classes for Lessor's Risk

ISO Code	Description
60010	Apartments
60011	Apartments – Garden
61212	Buildings or Premises – Bank or Office – Mercantile or Manufacturing (Lessor's Risk Only) – Other Than Not-For-Profit
61216	Buildings or Premises – Bank or Office – Mercantile or Manufacturing (Lessor's Risk Only) – Not-For-Profit Only
61217	Buildings or Premises – Bank or Office – Mercantile or Manufacturing (Lessor's Risk Only) – Maintained by the Insured – Other Than Not-For-Profit
61218	Buildings or Premises – Bank or Office – Mercantile or Manufacturing (Lessor's Risk Only) – Maintained by the Insured – Not-For-Profit Only
63010	Dwellings – One-Family (Lessor's Risk Only)
63011	Dwellings – Two-Family (Lessor's Risk Only)
63012	Dwellings – Three-Family (Lessor's Risk Only)
63013	Dwellings – Four-Family (Lessor's Risk Only)
67634	Shopping Centers – Indoor Malls – Buildings or Premises Not Occupied by the Insured (Lessor's Risk Only)
67635	Shopping Centers – Buildings or Premises Not Occupied by the Insured (Lessor's Risk Only)
68702	Warehouses – Occupied by Multiple Interests (Lessor's Risk Only)
68703	Warehouses – Occupied by Single Interest (Lessor's Risk Only)

Coverages

Limits from $1M- $5M available
Attachment points of $1M
Coverage written over underlying general liability with any carrier rated A or better (including Lloyds’ syndicates)

Appetite Information

Up to $5 million in annual revenue
New ventures
Subcontracted work, remodeling, and repair
New residential construction: Up to 10 homes per year in FL and SC and up to 25 homes per year in all other states
Lessor's risk tenancies Pathpoint would consider under the underlying GL policy

Markets

Nautilus

Additional Resources

Excess Casualty Appetite Guide

Why Buy Excess Marketing Guide

How Do Nuclear Verdicts Affect Me?

Common FAQs

What is excess general liability insurance?

Excess GL insurance provides additional liability coverage beyond the limits of an underlying general liability policy. It kicks in when the primary policy's limits are exhausted due to a claim.

Why do small businesses and property owners need excess GL coverage?

Excess GL coverage offers enhanced financial protection against large claims or lawsuits (which are more common), ensuring that a business or property is not financially devastated by an unexpected event.

Is excess GL the same as umbrella insurance?

While both provide additional liability coverage, an umbrella policy can cover multiple underlying policies (like auto and general liability), whereas excess GL typically only provides an extra layer of coverage for a single underlying policy.

What types of claims are covered by excess GL?

Excess GL covers the same types of claims as the underlying general liability policy, including bodily injury, third-party property damage, and legal defense costs, once the primary policy's limits are reached.

How is the cost of excess GL determined?

The cost of excess GL depends on factors such as the type of business, industry risk factors, the amount of coverage required, and the claims history of the insured.

Watch a Demonstration

Adding Excess to Another Contractor or Lessor's Risk Quote

Excess can be added to a contractors' and lessor's risk submission by clicking the Access Your Excess Quote button. Here is an example for adding excess to a contractor submission:

Quoting Standalone Excess

Agents can quote standalone excess for their contractors and lessor's risk accounts. Here is an example for adding excess to a contractor submission:

Step by Step Instructions

To add excess to your contractors or lessor's risk submissions, follow these instructions:

On the Coverage page, select ‘Contractors' or 'Lessor's Risk'
Select either General Liability or a Package for Lessor's Risk
Upload ACORD or start manually. Then, click ‘Continue to submission.
You can follow the on-screen instructions to complete the application.’
Under the Options page, you will see a message in green that "GL excess coverages available"

On the Review Your Submission page, select ‘Markets’ and then ‘Submit’.
You’ll see instant quotes!

You may also quote monoline excess by following these instructions:

On the Coverage page, select ‘Contractors' or 'Lessor's Risk'. Under Standalone Excess Liability, click ‘Select coverage.’
Upload ACORD or start manually. Then, click ‘Continue to submission.’
You can follow the on-screen instructions to complete the application.
On the Review Your Submission page, select ‘Markets’ and then ‘Submit’.
You’ll see instant quotes!