Excess

Underwriting Approach

Claims that implicate excess layers are larger, more complex, and higher profile. Therefore, an ideal excess coverage provider should possess the highest level of financial stability, a long-standing commitment to the business and the claims expertise to step in when the stakes are high.

Building successful excess towers requires responsive and knowledgeable underwriters who anticipate client needs, understand primary coverages, can think creatively and are empowered to be decisional.

Excess Products

Old Republic Professional’s excess products are designed as streamlined follow-form contracts utilizing market leading erosion language for underlying policy limits and sub-limits.

Excess D&O, EPL, Fiduciary, Crime/Fidelity, and E&O

This form is used for excess D&O, EPL, Fiduciary, Crime/Fidelity, and E&O.

This form can be used on a monoline basis or a multi-line basis using our Excess Flex endorsement. The Excess Flex™ endorsement extends the excess coverage to apply across multiple towers or lines of coverage within a multi-line program. The endorsement identifies and follows the varied coverages that may be included within broader multi-line management liability structures.

This form can be endorsed with our Excess Plus™ endorsement which expands Side-A protection within a traditional excess ABC layer by creating broadened terms for non-indemnifiable loss. The endorsement may also provide potential drop-down protection for insured individuals in situations where underlying coverage is unavailable or cannot respond.

Excess Resources

Excess Side-A

This form is used for Excess Side-A.

Excess Resources