Umbrella & Excess Liability
More Limit. More Protection. More Flexibility.
Program Underwriters gives independent agents access to primary umbrella, excess, and high-excess liability solutions, including up to $10 million of umbrella capacity available at our desk for eligible risks.
Liability Capacity
Built for Risks That Need More Than Primary Limits
PUI helps agents build additional liability protection with flexible umbrella, excess, and high-excess structures for eligible commercial risks.
Primary Umbrella
Umbrella solutions designed to provide additional liability protection above eligible underlying policies.
Excess Liability
Additional limits for qualifying businesses whose liability needs extend beyond underlying policy limits.
High Excess
Higher-layer excess capacity may be available within the first $25 million, excluding primary limits.
Agribusiness
Umbrella and excess solutions can extend over eligible agribusiness operations.
When $1 Million Isn't Enough
Up to $10 Million of Umbrella Capacity at Our Desk.
For eligible risks, PUI can provide substantial umbrella capacity directly through our underwriting team, with additional excess and high-excess solutions available when greater liability limits are needed.
Program Snapshot
Capacity Without the Guesswork
Our umbrella and excess solutions give agents multiple ways to build additional liability limits for eligible commercial accounts.
*Availability, limits, attachment points, underlying requirements, and coverage terms vary by risk, class, carrier, and underwriting.
Target Industries
Commercial Risks We Want to See
PUI reviews umbrella and excess opportunities across a focused range of commercial classes where additional liability protection is often essential.
Real Estate
Dwellings, vacant land, LRO buildings, and other eligible real estate exposures.
Homeowner / Town Home Associations
Eligible homeowner and town home association liability risks.
Commercial & Trade Contractors
Eligible commercial contractors and trade contractor operations.
Service Providers
Eligible service businesses with qualifying underlying liability exposures.
Family Style & Fast Food Restaurants
Eligible family-style and fast-food restaurant operations.
Hospitality — Hotels
Eligible hotel risks requiring additional liability protection.
Manufacturing
Eligible manufacturing risks with qualifying underlying coverage.
Distributors
Eligible distribution operations requiring additional liability capacity.
Retail / Mercantile
Eligible retail and mercantile operations with qualifying underlying liability coverage.
In-House Capacity
Real Capacity. Real Underwriting. Right at Our Desk.
Having umbrella authority in-house means qualifying accounts can be reviewed by the PUI underwriting team without adding unnecessary layers of communication to the process.
Available at Our Desk for Eligible Risks
That gives independent agents meaningful umbrella capacity with direct access to the underwriting team handling the account.
Why Program Underwriters?
More Than Just Another Layer.
PUI helps agents evaluate liability needs, navigate available capacity, and build umbrella or excess structures around the exposures that matter.
In-House Capacity
Up to $10 million of umbrella capacity available at our desk for eligible risks helps qualifying accounts move efficiently.
Flexible Structures
Primary umbrella, excess, and high-excess options give agents multiple paths for qualifying liability risks.
Responsive Underwriting
Work directly with an underwriting team that can help evaluate appetite, underlying coverage, attachment points, and available capacity.
Need More Liability Capacity?
Let's Build the Next Layer.
Send us the account, underlying coverage, and limits needed. Our underwriting team will review the risk and help determine the right umbrella or excess path.
submissions@programunderwriters.com | 800-432-8185