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Gated Whitepaper: Excess Liability Challenges

5/22/2025

Excess Liability Challenges

One of the largest U.S. based specialty construction and infrastructure companies works with C.I. to procure excess liability coverage. Taking a $5m xs $15m quota share position, this client will retain over $2.5m within their captive and still satisfy all lender requirements. With a historical loss ratio of 0% in this layer, this insured is now able to take control of their insurance program and gain underwriting profit that was a sunk cost in the commercial market previously.

Case details

  • C.I. provides an excess liability policy of $5m xs $15m in a
  • Policies issued on A Rated AM Best paper
  • Captive is in a quota share position and will retain over $2.5m gross written premium
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