Commercial Excess & Umbrella

Hudson’s Commercial Excess and Umbrella product is an open-market, wholesale-driven brokerage facility that focuses on writing small- to medium-sized risks on an excess and surplus lines basis.

Program Highlights

  • Minimum Premiums: $3,500 – $7,500 Dependent on Class of Business 
  • Minimum Underlying Limit: $1M / $2M / $1M / $1M General Liability Required
  • Minimum Underlying Limit: $1M CSL Auto Liability Required
  • Underlying Carrier Rating Requirements: A-, V or better


  • Rated A (Excellent) by A.M. Best, Financial Size Category XV
  • Excess Limits Up to $5M Available
  • Occurrence or Claims-Made Excess Coverage
  • Ability to Write in All 50 States
  • 100% Non-Admitted
  • Wholesale-Only Market
  • Limited Brokerage Appointments Per Territory
  • Superior Service on Complete Submissions
  • Immediate Binder / Policy Issuance
  • Quick and Easy Post-Issuance Processing

Key Classes

  • Contractors Liability including Practice- and Project-Specific Policies for GCs and Trades throughout the U.S. Not a Market for Domiciled New York and Colorado Contracting Risks.
  • Manufacturing and Distribution of Industrial and Consumer-Based Products
  • Auto/Transportation including Limo, Airport/Hotel Shuttles, Courier Services, Non-Metro Sanitation, Non-Emergency Ambulette/Para Transit, Social Services Vans, Sales Fleets, and Fuel Delivery Operations. Not a Market for Long-Haul Trucking Operations.
  • Owner, Landlord & Tenant including Offices Buildings, Mercantile, Warehouses, Vacant Land, Apartments, Hotels/Motels, and Lessors Risk (Shopping Centers, Strip Malls, etc.)
  • Miscellaneous Classes including Restaurants, Bars and Taverns, Garage/Auto Repair, and Special Events

Contact an Underwriter

Commercial Excess
& Umbrella