Excess/Umbrella Coverage Insurance from Caitlin Morgan Insurance Services
Caitlin Morgan Insurance Services offers a comprehensive Excess/Umbrella Coverage Insurance program designed to help agents and brokers place accounts requiring additional layers of liability protection. With nationwide availability and access to a wide array of carriers rated “A” or better by A.M. Best, our program supports a broad range of industries and risk profiles.
Ideal Accounts and Target Industries
Our program is suitable for a wide variety of commercial clients across over 500 SIC codes. Whether your client is a mid-size construction firm, a manufacturing operation, or a hospitality business, Caitlin Morgan can help you provide the necessary excess or umbrella limits to meet contractual and risk management needs. We are especially competitive on accounts with strong safety protocols and favorable loss histories.
Example: You might have a client in the transportation or wholesale distribution industry with high auto liability exposure. Our program can help you secure the excess coverage needed to protect their business assets beyond primary limits.
Coverage Highlights and Advantages
- Excess or umbrella liability protection over GL, Auto Liability, and Employers Liability
- Eligible underlying carriers must be rated A-7 or better by A.M. Best
- Available in all 50 states plus DC
- Agency bill for ease of administration
Underwriting Requirements
To obtain a quote, please provide the following:
- Completed ACORD 125 Commercial Application
- Completed ACORD 131 Umbrella Application
- Detailed description of operations
- Five-year loss runs for Auto Liability and General Liability
- Company brochures and/or website address
- Copy of Loss Control and Safety Program
Territory and Availability
This program is available in all 50 states and the District of Columbia. Caitlin Morgan works with a variety of markets to ensure your clients’ needs are met regardless of location or industry. All business is written with carriers rated A- or better by A.M. Best.
Why Partner with Caitlin Morgan Insurance Services
As a wholesale broker with extensive market access and underwriting experience, Caitlin Morgan is committed to helping independent agents and brokers secure excess and umbrella solutions for a wide range of commercial clients. Our responsive team, led by experienced professionals like Linda Winzenread, is ready to support your placement needs from quote to bind.
Contact:
Linda Winzenread
P: (800) 723-7475, Ext. 241
[email protected]
Frequently Asked Questions
What types of accounts are a good fit for this Excess/Umbrella program?
Accounts with solid loss control practices and a need for additional liability protection, such as contractors, manufacturers, and transportation risks, are a strong match.
Is this program available nationwide?
Yes, Caitlin Morgan’s Excess/Umbrella Coverage Insurance is available in all 50 states plus Washington, DC.
What carriers are used for this program?
We work with various carriers, all of which are rated A-7 or better by A.M. Best, ensuring financial stability and reliability.
What documents are required to obtain a quote?
Required documents include ACORD 125 and 131 applications, a description of operations, five years of loss runs, marketing materials, and a copy of the safety program.
Does Caitlin Morgan offer support during the underwriting process?
Yes, our team provides responsive service and underwriting support to help you secure competitive quotes and place your business efficiently.
Need help placing an account? Connect with a market specialist.