Excess Liability

Casualty - excess general liability/auto liability/employer's liability

UFG Specialty's excess casualty division provides lead excess, excess of lead excess, excess of excess and buffer layer business on both a supported and unsupported basis. We are an excess-focused market targeting difficult-to-place or high capacity moderate to higher-hazard casualty E&S business.

Excess Limit

Up to

$5 Million

Acceptable classes

We are here to write tough, hard-to-place accounts and offer a variety of solutions for many classes of business that include, but are not limited to:

  • Property owners.
  • Lessor's risk.
  • Cannabis dispensaries, growers and processors.
  • Machine shops.
  • Contractors (no residential).
  • Special events.
  • Sporting goods.
  • Logging/Lumbering (with wildfire).
  • Food manufacturers/producers.
  • Distributors.
  • Appliance delivery.
  • Office parks and buildings.
  • Consultants.
  • Retail.
  • Industrial parks.
  • Tougher products.
  • New ventures.
  • Commercial auto - lead limits.
  • Trucker for hire - gap layer.
  • Tow truck operation.
  • Contractor's fleets.
  • Local delivery trucks.
  • Messenger and courier deliver.
  • Habitational.*
*Selective appetite

Avoided risks

Generally speaking, we do not write the following risks. Please contact us for more information. 

  • Energy related.
  • Invasive medical products.
  • Professional liability.
  • Truck brokers.


Casualty - excess general liability/auto liability/employer's liability products are offered in the following states:

  • Alabama.
  • Alaska.
  • Arizona.
  • Arkansas.
  • California.
  • Colorado.
  • Connecticut.
  • Delaware.
  • District of Columbia.
  • Florida.
  • Georgia.
  • Idaho.
  • Illinois.
  • Indiana.
  • Iowa.
  • Kansas.
  • Kentucky.
  • Louisiana.
  • Maine.
  • Massachusetts.
  • Maryland.
  • Michigan.
  • Minnesota.
  • Mississippi.
  • Missouri.
  • Montana.
  • Nebraska.
  • Nevada.
  • New Hampshire.
  • New Jersey.
  • New Mexico.
  • New York.
  • North Carolina.
  • North Dakota.
  • Ohio.
  • Oklahoma.
  • Oregon.
  • Pennsylvania.
  • Rhode Island.
  • South Carolina.
  • South Dakota.
  • Tennessee.
  • Texas.
  • Utah.
  • Vermont.
  • Virginia.
  • Washington.
  • West Virginia.
  • Wisconsin.
  • Wyoming.
  • Risks recently written

    Here's a list of businesses we've recently written. We hope this gives you a sense of our appetite for excess coverage, but please know we are open to many different classes of business.

     Excess StatePremium 
     Property Owner and ManagerGeorgia$1,104,119 
     Trucking and Logistics OperationArizona$860,000 
     Trucker: General FreightArkansas$850,000 
     Portable Storage and Moving CompanyNorth Carolina$836,475 
     Janitorial Services incl. Crew TransportationKansas$810,000 
     Concrete Manufacturing and DeliveryLouisiana$610,000 
     Student Transportation ServicesIllinois $542,500 
     Contractor: Utility Line Clearance, Tree Trimming/Removal California$300,000 
     Manufacturer: Building MaterialTexas$300,000 
     Correctional/Rehabilitation FacilityUtah$200,000 


    Contact an appointed wholesale broker today.
    Disclaimer: This listing is not intended to be an all-encompassing record of capabilities, products or services, but merely a guide for representational purposes only.