Excess & Umbrella Solutions

Best in class service and individual risk underwriting

Century is committed to providing our agents with best in class service, and no group exemplifies this more than our Excess/Umbrella division. Our agents consistently rate this division’s service as best in our company.

Target Classes:

While we write the vast majority of classes, the following are those which our agents have the most success placing with us.

  • Apartments, Condominiums Or Townhomes
  • Hotels Or Motels
  • Dwellings – Lessor’s Risk Only
  • Restaurants, Bars Or Taverns
  • Farms With Or Without Livestock
  • Schools – Trade Or Vocational
  • Pool Halls Or Bingo Halls
  • Bed And Breakfasts
  • Convenience Stores Or Stores
  • Artisan Contractors
  • Lessor’s Risk
  • Roofing – Commercial ($1M max. limit)
  • Plastic Or Rubber Goods Manufacturing
  • Mercantile Risk
  • Warehouses
  • Beverage Distributors
  • Automobile Repair Or Service Shops
  • Land Or Vacant Land
  • Machinery Or Equipment Dealers
  • Medical Offices
  • Auctioneers
  • Welding Or Cutting
  • Buildings Or Premises – Bank
  • Real Estate Property Managed
  • Landscaping
  • Beauty Shops, Nail Salons
  • Campgrounds
  • Excess follow form up to $5,000,000
  • Umbrella up to $5,000,000
Target Market:
  • Accounts purchasing $15,000,000 or less in excess capacity
Underlying Limits Required
  • Automobile liability $1,000,000 CSL
  • General liability $1,000,000/$2,000,000 (per occurrence/general aggregate)
  • Employer’s liability $500,000/$500,000 (each accident/each employee/policy)
  • Underlying carriers must have an A.M. Best Rating of A- VII or better
Minimum Premiums
  • As low as $750 per $1,000,000
Liquor Liability Requirements
  • Accounts with annual liquor receipts of $1,000,000 or less
  • Liquor receipts being 50% or less of total receipts
  • States with an ISO liquor liability grade <7
  • Program is not available in the state of Delaware or West Virginia

Seth Kleinman
Vice President
(614) 839-7541

Ryan Wilcox
Excess Underwriting Manager
(614) 823-6369

Melissa Clark
Underwriter II
(614) 543-7426

Antoinette Hardy-Manyfield
Underwriter II
(614) 839-7526

Gordon Lay
Underwriter II

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