Phone: 732-680-4444
      Fax: 732-680-4070


Our Excess and Umbrella product line offers products in both a lead and excess position over approved underlying carriers.


  • Coverage can be written on an Umbrella or Excess form on either an occurrence or claims made basis.

Target Classes

  • Construction- Commercial and Residential
  • Manufacturing except:
    • Invasive Medical Products
    • Chemical Blending and Manufacturing (other than household cleaners)
    • Pharmaceuticals/ nutritional/ dietary supplements
    • Critical Auto Parts
    • Aircraft Products
    • Tobacco
    • Firearms and Explosives
  •  Wholesale/Retail
  •  Service (except nursing homes)
  • Commercial and Habitation Real Estate
  • Municipalities (including public officials and police professionals)
  • School Districts (including school board legal)


  • Underlying carriers with ratings of A-VI or better
  • Minimum underlying limits
    • $1M/$2M/$1M for General Liability
    • $1M CSL for Auto Liability.
    • $500/$500/$500 for Employer’s Liability

Maximum Limits of Liability: $10,000,000
Minimum Premium:                        $5,000

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