Excess Underwriting – Where Complex Liability Finds a Home

By Nicholas Doy, Sr. Commercial Underwriter, Excess Underwriting

Why Excess Underwriting?

In today’s fast-evolving risk landscape, standard liability coverage doesn’t always fit the bill. For businesses and individuals operating in high-risk industries or unique market niches, finding adequate liability coverage can feel impossible. That’s where we come in.

As a specialized Managing General Agent (MGA), we don’t shy away from complex or unconventional exposures. We embrace them.

Expertise Where It Matters Most

At the heart of our operation is a deep understanding of specialty and non-standard liability. Our underwriting team brings decades of combined experience handling different segments and businesses. We don’t just assess risk — we understand the businesses behind it.

A Problem-Solving Mindset

We know our clients come to us when others say no. That’s why we’ve built a process centered around creative problem-solving, not cookie-cutter solutions. Whether it’s a start-up with no loss history, a business with prior claims, or an operation in a high-hazard industry, we dig deep to find a path forward.

Our underwriters don’t just look at risks, they look for ways to write it and win together.

Access to Exclusive Markets

Our long-standing relationships with a broad spectrum of markets — from surplus lines to specialty admitted markets — give us access to capacity others can’t tap. This means we’re not limited by the usual market constraints. We can place coverage where others fall short.

Speed and Flexibility

In hard-to-place liability, time often works against you. We pride ourselves on a streamlined underwriting process and fast turnaround times. Whether you need a quote in hours or a customized solution on a tight timeline, we deliver — without sacrificing quality or diligence.

Broker-Focused, Client-Driven

We see ourselves as an extension of your brokerage. Our goal is to empower our retail partners with access to solutions that help them grow their business and retain challenging accounts. You won’t get passed around or buried in red tape — you’ll get a partner who understands your urgency and responds with clarity and expertise.

Hard-to-place doesn’t mean impossible to insure. It just means you need the right MGA — one with the courage to take risks, the tools to manage it, and the experience to do it right.

Choose us when others walk away. We’re ready for the challenge! Reach out to your Excess Underwriting representative today to learn more, Contact us.