Umbrella and Excess Solutions

All submissions should be emailed to [email protected]

Umbrella and Excess Casualty Solutions

Shepherd Specialty Insurance provides comprehensive Umbrella and Excess Liability coverage for commercial clients across 600+ classes of business, offering additional protection above primary General Liability, Auto Liability, and Workers Compensation policies.

Lead Excess Coverage Up to $5 million in capacity above primary liability policies. Designed for businesses that need substantial protection beyond their underlying coverage limits. Provides a single policy covering GL, Auto, Employers Liability, and additional exposures.

High Excess Coverage Up to $10 million in capacity for businesses requiring even higher limits above existing umbrella layers. Ideal for larger operations or high-risk industries with significant liability exposure.

Both solutions are available nationwide (all states except WV, non-admitted only in WA) with admitted and non-admitted options. Coverage extends across diverse industries including real estate operators, contractors, service providers, restaurants, manufacturing, distribution, retail operations, auto dealers, farms, and numerous other commercial classes.

Retail Agents (Educational/Sales Training)

Umbrella and Excess Casualty Solutions - Agent Sales Guide

Client Education

Protect Your Business - Understanding Umbrella and Excess Liability Insurance

Share with Clients
Protect Your Business - Understanding Umbrella and Excess Liability Insurance
https://youtu.be/iHEpQ5cIo2w

Product Highlights

Partner with Shepherd Specialty for your Umbrella and Excess Casualty needs with capabilities for over 600+ classes of business.

Target Classes of Business (Top Industries Include):

• Real Estate, Dwellings, Vacant Land, LRO,

• Homeowners Associations

• Commercial and Trade Contractors (some restrictions apply)

• Service Providers

• Family and Fast-Food Restaurants

• Manufacturing

• Distributors

• Retail/Mercantile

• Garage/Auto-Dealers

• Farms/Food Processing

Available Limits:

• $5MM capacity in a lead Excess attachment point

• $10MM capacity in a high Excess attachment point

 Territory:

• Nationwide with capabilities to write either admitted or non-admitted in all states, except WV. Non-admitted only available for WA.

Outside of Appetite:

• Residential Construction in AR, AZ, CA, CO, FL, HI, NV, NY, OR, SC, TX & WA

• Construction (residential/commercial/industrial) in CO, HI, NY

Eligible Class Code List:

• (see attachments below)

Submission Requirements

• ACORD Applications
  Fully completed Acord 125 and 131

• Supplemental Applications
  Please provide any that have been completed for specific industries (e.g., Contractors, Hospitality, Manufacturing).

• Underlying Renewal Quotes/Exposures
  Copies of renewal quotes showing underlying exposures, terms, and renewal premiums.

• 5-Year Currently Valued Loss Runs
  Loss history for Umbrella line of coverage as well as all applicable lines requesting to be scheduled as underlying coverage (GL, Auto, WC, etc.). Must be dated within 90 days.

• Risk Narrative

  • Brief overview of opportunity, including effective date, need by date, and target premium

  • Brief overview of operations, including insured’s website, safety protocols, and any unique exposures.

Attachments: