Excess, up to $5 million

Follow-form excess on A.M. Best “A” rated paper, available in all states. It sits over the professional and general liability coverages only, and is available on any class of business we can consider on a primary basis.

Supported or unsupported

Grayson does not need to be writing the primary policy in order to write the excess layer. Place primary with another carrier and bring us in for the excess.

Our excess layer must be claims-made but we can sit excess over either an occurrence or claims-made primary form. Our excess policy follows form over the Professional Liability and General Liability coverages only.

AppetiteAll classes of business that can be considered on a primary basis

Excess limitsUp to $5 million, depending on attachment point

Minimum premium$3,500 per million

FormClaims-made follow form

Attaches overProfessional Liability only, or Professional and General Liability

Underlying formCan sit excess over either an occurrence or claims-made primary form

PaperA.M. Best “A” rated

AvailabilityAll states

Limits by Attachment Point

Available excess limit depends on where the layer attaches.

Up to $3 million excessAt a $1 million attachment point

Up to $4 million excessAt a $2 million attachment point

Up to $5 million excessAt a $3 million or higher attachment point

How the excess sits

The excess is available whether or not we write the primary. Available limit follows the attachment point, not who wrote the layer below.

What to send

Three things. We cannot quote without the underlying quote and specimen policy.

Primary application

A copy of the application used to quote the primary. There is no separate excess application to complete.

Primary quote and specimen policy

Our excess premium is based on the primary premium, and we review the primary policy to confirm we are comfortable with the language.

Currently valued loss runs

With details on any claims.

Common questions

What does “unsupported” mean?Grayson doesn’t need to write the primary in order to write the excess. Place primary elsewhere and bring us in for the tower.

How high can limits go?Up to $5 million.

Over an occurrence primary?Yes. Our excess layer must be claims-made, but it can sit excess over either an occurrence or claims-made primary form.

Minimum premium?$3,500 per million.

Beyond Professional Liability and General Liability?No. Follow-form over professional liability and general liability only.

Coverage summaries on this page are for reference only and should not be used as a substitute for thorough review of the policy forms and endorsements. Please refer to policy forms, endorsements and state-specific wording. Nothing here binds coverage or constitutes an offer to insure. Have a question we haven’t covered? Get in touch →