Primary General Liability and Excess Insurance

Fundamental Underwriters specializes in Primary General Liability and Excess insurance coverage for mid-sized to larger insureds. What we do is backed by skilled underwriting and claims professionals, providing expertise across various industries and ensuring tailored solutions for clients with unique needs. Our team strives to deliver innovative and impactful insurance solutions to our insured through a customer-centric and collaborative approach.

Limits 

  • Primary: Potential limits offered up to $2M/$4M/$4M for general liability with attachments points from guaranteed cost up to $50,000 deductibles and self-insured retentions (SIR) as required
  • Excess: Up to $5M in excess capacity, quota-shared capabilities 

Minimum Premiums

  • Primary Liability – $25k
  • Excess Liability – $25k

Minimum premiums vary by class of business and
individual risks

Coverage Features

  • ISO-based and manuscript coverage forms used
  • Occurrence and claims-made

Distribution

Limited wholesale broker distribution

Target Industries

Hospitality

  • Hotels
  • Restaurants, dining and taverns
  • Banquet Halls
  • Country Clubs

Products and Manufacturing

  • Building Materials
  • Clothing and Apparel
  • Consumer and Non-Consumer Products
  • Machinery and Equipment
  • Metal Goods
  • Safety Products

Premises and Distribution

  • Office Buildings
  • Apartments
  • Warehouses
  • Shopping Centers

Preferred risks with retentions out of the frequency layer. Liquor liability can be offered in conjunction with a general liability policy with a preferred max limit of $1M/$1M and liquor sales percentage of 50% or less.

  • Sample Appetite: Mercantile (stores, shopping centers, warehouses), office buildings, apartments/real estate, institutional (clubs/parks), restaurants, fine dining, bars and taverns, hotels, banquet halls, country clubs, flea markets and amusement venues (theaters and arcades).
  • Often Excluded Risks: Airports, Government /public entity, Healthcare facilities, Schools, Amusement parks or carnivals, Gentleman’s club and night clubs, Special events, Trampoline parks, Amateur or Professional Sports Organizations and Youth activities.

Out of Appetite

  • NYC – Five Borough business
  • Public Entities
  • Gentlemen’s Clubs and Nightclubs

Contact Info

Justin Papineau

Managing Director – Casualty

[email protected]

Loss run requests
[email protected]