Excess Management Liability Solutions

Private Company Management Liability

Coverage for private companies is currently available on an excess basis, using the standard excess form ORUG-91, and modified by the Excess Flex endorsement that identifies the specific underlying coverages unique to Private Company management exposure. Separate Excess Flex endorsements are used depending on whether there is a single underlying carrier, or multiple underlying carriers. These endorsements allow us to follow multiple underlying programs with different limits and sublimit various coverages, as needed. See the illustration below for an example of how this would work.

We can also provide specific excess limits for Employment Practices liability (EPL) and Fiduciary liability.

Floating Aggregate Limit with Policy-Type Sublimit

A shared overall aggregate limit "floats" over each underlying coverage; excess limits for specified underlying coverages may vary, and will generally match or exceed the primary limit provided.

We require that the primary insurer carries an A.M. Best rating of A (Excellent) or better and we can offer up to $10,000,000 in aggregate liability protection.

  • Please refer to policy forms for full details of coverage terms and conditions.
  • Products may not be available in every state.
  • Specific state-required endorsements may modify the terms of the standard policy form.