lead excess

appetite

Minimum attachment (annual): $1m

Minimum attachment (project): $2m

Maximum Limit: $5m

Minimum premium (commercial): $50k for annual, $50k for project

Minimum premium (residential): $100k for annual, $125k for project

Minimum premium: $35k

Varies by segment

construction

Practice Policies:

• General contractors and subcontractors
• Commercial and industrial
• Not a market for NY Construction
• Not a market for GCs with operations in NY
• Not a market for subs domiciled or performing more than 5% of their work in NY
• Residential
• Not a market for GCs performing residential work in CO, FL, HI, or NY

Wrap and Project Specific:

• Commercial, industrial and residential
• Not a market for rolling wraps
• Not a market for New York construction projects

products

• Importers, manufacturers and distributors
• Auto parts (non-critical)
• Clothing and/or textiles
• Component parts
• Contractor’s equipment (excluding helmets or headgear of any kind)
• Electronic equipment and parts
• Furniture
• Industrial machinery
• Instruments
• Lighting and electrical parts
• Machine shops and metal goods
• Non-invasive medical equipment
• Rubber and plastic goods
• Certain sporting goods and exercise equipment
• Toys and games

premises

• Retail, commercial, warehouse and habitational 
• Limited student, senior, subsidized housing

hospitality

• Hotels, motels, casinos, and restaurants
• Insured’s servers/bartenders are ABC Certified