Commercial General Liability & Casualty
Casualty Solutions Built for Commercial Risk.
Program Underwriters provides admitted and E&S casualty solutions for contractors, habitational risks, retail, hospitality, offices, mercantile, associations, and hard-to-place commercial accounts.
Commercial Casualty
From Main Street to Complex Commercial Risks
Broad in-house binding authority and diverse brokerage relationships give PUI the flexibility to handle a wide range of commercial casualty accounts. Our team works with retail agents to identify admitted, E&S, and brokerage solutions based on the individual exposures of each risk.
Admitted Solutions
Admitted casualty options for eligible commercial accounts that fit available program and carrier appetite.
E&S Flexibility
Excess and surplus lines access for risks that require greater underwriting flexibility than the standard market can provide.
In-House Authority
Binding authority on qualifying risks gives our underwriting team the ability to move eligible accounts efficiently.
Brokerage Access
When an account falls outside our binding authority, PUI can access additional casualty markets for more complex placements.
Broad Casualty Capability
One Account. Multiple Ways to Find a Solution.
Admitted, E&S, binding authority, and brokerage access give PUI multiple paths to evaluate commercial casualty risks when the placement isn't straightforward.
Coverage Solutions
Commercial Casualty Coverage Options
Coverage availability varies by class, exposure, territory, carrier, and underwriting, but PUI can consider a broad range of casualty needs.
Primary Casualty
- General Liability
- Package Policies
- Products & Completed Operations
- Contractors Liability
- Liquor Liability
- Environmental Liability
Additional Casualty Solutions
- Commercial Umbrella
- Excess Liability
- Owners Interest Liability
- Employee Benefits Liability
- Non-Owned & Hired Auto Liability
- Specialty & Hard-to-Place Risks
Target Industries
Commercial Risks We Want to See
Every account is evaluated individually, but these are examples of the commercial classes PUI can consider for casualty placement.
Contractors
Commercial and trade contractor risks with qualifying general liability exposures.
Apartments
Habitational accounts ranging from individual apartment risks to qualifying larger operations.
Associations
Condominium and homeowners associations with eligible premises and liability exposures.
Restaurants & Bars
Food service and hospitality risks, including accounts requiring liquor liability consideration.
Retail & Mercantile
Retail stores, mercantile businesses, and qualifying Main Street commercial operations.
Offices & LRO
Office buildings, lessors risk, property managers, and qualifying commercial real estate exposures.
Warehouses & Shopping Centers
Commercial premises risks with qualifying ownership, tenant, and operational exposures.
Churches & Schools
Eligible religious, educational, nonprofit, and related institutional operations.
Specialty Commercial
Fitness centers, auto repair, vacant buildings, mixed commercial risks, and other harder-to-place accounts.
Hard-to-Place Casualty
When the Standard Market Says No, Keep the Conversation Going.
A difficult class, unusual exposure, loss history, or complex operation doesn't automatically mean the conversation is over. PUI can evaluate eligible risks through our admitted, E&S, binding, and brokerage relationships.
HAVE SOMETHING DIFFERENT?
Send Us the Story.
Give our underwriting team the operations, exposures, loss history, and coverage need. We'll determine whether there is a path forward.
Send Us the RiskWhy Program Underwriters?
Casualty Underwriting With More Than One Path
PUI combines underwriting authority, market relationships, and direct access to experienced people to help agents navigate commercial casualty placements.
In-House Authority
Qualifying risks can be handled through PUI's binding authority without unnecessary layers of communication.
Admitted + E&S
Access multiple casualty channels based on the needs, complexity, and characteristics of the account.
Brokerage Reach
More complex accounts can be evaluated through additional carrier relationships when they fall outside binding appetite.
Direct Underwriter Access
Talk directly with the PUI team reviewing the account and get clear feedback on appetite and placement direction.
Not Sure If It Fits?
Send It to PUI.
From straightforward general liability to difficult casualty placements, send us the account. Our team will review the exposure and determine the best admitted, E&S, binding, or brokerage solution available.
submissions@programunderwriters.com | 800-432-8185
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