lead excess
appetite
Minimum attachment (annual): $1m
Minimum attachment (project): $2m
Maximum Limit: $5m
Minimum premium (commercial): $50k for annual, $50k for project
Minimum premium (residential): $100k for annual, $125k for project
Minimum premium: $35k
Varies by segment
segments
construction
Practice Policies:
- General contractors and subcontractors
- Commercial and industrial
- Not a market for NY Construction
- Not a market for GCs with operations in NY
- Not a market for subs domiciled or > 5% of their work in NY
- Residential
- Not a market for GC's on residential in CO, FL, HI, or NY
Wrap and Project Specific:
- Commercial, industrial and residential
- Not a market for rolling wraps
- Not a market for New York construction projects
products
- Importers, manufacturers and distributors
- Auto parts (non-critical)
- Clothing and/or textiles
- Component parts
- Contractor’s equipment (excluding helmets or headgear of any kind)
- Electronic equipment and parts
- Furniture
- Industrial machinery
- Instruments
- Lighting and electrical parts
- Machine shops and metal goods
- Non-invasive medical equipment
- Rubber and plastic goods
- Certain sporting goods and exercise equipment
- Toys and games
premises
- Retail, commercial, warehouse and habitational
- Limited student, senior, subsidized housing
hospitality
- Hotels, motels, casinos, and restaurants
- Insured’s servers/bartenders are ABC Certified
