Excess Liability

Casualty - excess general liability/auto liability/employer's liability

UFG Specialty's excess casualty division provides lead excess, excess of lead excess, excess of excess and buffer layer business on both a supported and unsupported basis. We are an excess-focused market targeting difficult-to-place moderate to higher-hazard casualty E&S business.

Excess Limit

Up to

$5 Million

Acceptable classes

We are here to write tough, hard-to-place accounts and offer a variety of solutions for many classes of business that include, but are not limited to:

  • Property owners.
  • Lessor's risk.
  • Cannabis dispensaries, growers and processors.
  • Machine shops.
  • Contractors (no residential).
  • Special events.
  • Sporting goods.
  • Logging/Lumbering (with wildfire).
  • Food manufacturers/producers.
  • Distributors.
  • Appliance delivery.
  • Office parks and buildings.
  • Consultants.
  • Retail.
  • Industrial parks.
  • Tougher products.
  • New ventures.
  • Commercial auto - lead limits.
  • Trucker for hire - gap layer.
  • Tow truck operation.
  • Contractor's fleets.
  • Local delivery trucks.
  • Messenger and courier deliver.
  • Habitational.*
*Selective appetite

Avoided risks

Generally speaking, we do not write the following risks. Please contact us for more information. 

  • Energy related.
  • Invasive medical products.
  • Professional liability.
  • Long haul (for hire) truckers.
  • Truck brokers.


Casualty - excess general liability/auto liability/employer's liability products are offered in the following states:

  • Alabama.
  • Arizona.
  • Arkansas.
  • California.
  • Colorado.
  • Connecticut.
  • Florida.
  • Georgia.
  • Idaho.
  • Illinois.
  • Indiana.
  • Iowa.
  • Kansas.
  • Kentucky.
  • Louisiana.
  • Massachusetts.
  • Maryland.
  • Michigan.
  • Minnesota.
  • Missouri.
  • Montana.
  • Nevada.
  • New Mexico.
  • North Carolina.
  • Ohio.
  • Oklahoma.
  • Oregon.
  • Tennessee.
  • Texas.
  • Utah.
  • Washington.
  • Wisconsin.
  • Wyoming.

Risks recently written

Here's a list of businesses we've recently written. We hope this gives you a sense of our appetite for excess coverage, but please know we are open to many different classes of business.

 Excess StatePremium 
 Real Estate Management — $2MColorado$1,039,450 
 Trucking: For Hire — $5MArizona$950,000 
 Transportation: Livery Services — $5M X $8MIllinois$860,000 
 Ancillary Railway Services Provider — $2MKansas$810,000 
 Infrastructure Operations — $3MFlorida$750,000
 Manufacture and Delivery: Ready-Mix Aggregate and Concrete — $4MLouisiana$608,968 
 Distributor: Milk — $2M X $5MMissouri$450,000
 Telephone System Provider — $2MAlabama$375,000
 Non-Profit Transport Company — $3M X $2M X $1MCalifornia$362,075 
 Contractor: Utility Line Clearance, Tree Trimming/Removal — $3M X $5MCalifornia$300,000


Contact an appointed wholesale broker today.
Disclaimer: This listing is not intended to be an all-encompassing record of capabilities, products or services, but merely a guide for representational purposes only.