Excess Liability

Align underwrites Excess Liability exposures using a quality carrier partner rated A- IX (Excellent) by A.M. Best using ISO Commercial Excess Liability Coverage form (CX 00 01 04 13). All coverages are written as Non-Admitted in 50 states, excluding Iowa and New York.

Target Classes

    HABITATIONAL
  • Apartments, up to 10 stories, fully sprinklered (no HUD, Section 8, student occupancy or any New York locations)
  • Condominiums
  • Dwellings
  • Hotel/Motel
  • Commercial real estate development
  • Townhouse
    RESTAURANT
  • Limited service to upscale wiht 75% or less in alcohol receipts -subject liquor Grade 5 and below
    SPECIALTY AUTO
  • Beverage Distributing
  • Moving and storage
  • Sand and gravel operations
  • Scrap metal dealers
  • Garbage, Refuse and Scrap Metal Haulers
  • Concrete mixed transit
  • Water haulers
    AUTO SERVICE
  • Automobile repair and service
  • Auto dealers – Franchise/Non Franchise
  • Tire dealers
    COMMERCIAL CONTRACTORS
  • Discuss with your underwriter for eligibility
    MERCANTILE AND MANUFACTURING CLASSES
  • Standard Limits

    • $1 million to $5 million lead
    • $10 million excess capacity
    • $1 million X Primary AL buffers

Submission Requirements

  • Submissions should be sent to Excess@AlignGeneral.com and include the following information:
    1. Complete submission (accord application is preferred)
    2. Supplemental questionnaire on specialty accounts
    3. Copies of final general liability and auto quotes
    4. Loss summary – 3 years plus current year
    5. Target and expiring pricing for excess layer needing quote