Excess/Umbrella

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
  • Dwellings – Lessor’s Risk Only
  • Restaurants
  • Farms With Or Without Livestock
  • Schools – Trade Or Vocational
  • 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
  • Offices and Banks
  • Auctioneers
  • Welding Or Cutting
  • Real Estate Property Managed
  • Landscaping
  • Beauty Shops, Nail Salons
  • Campgrounds
Capacity:
  • $5,000,000 Excess or Umbrella
  • Supported or Unsupported
Target Market:
  • Accounts purchasing $15,000,000 or less in excess capacity
  • Century can offer placements anywhere within the lower limit
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 40% or less of total receipts
  • States with an ISO liquor liability grade <7
Availability
  • Century offers excess solutions in all states except Missouri, Washington and West Virginia.  All programs except contractors available in Colorado.
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