Excess

EXPERIENCED SUPPORT FOR EXCESS LIABILITY PLACEMENTS.

When your client needs limits above their underlying policies, OGA can help you navigate the excess liability marketplace. Our team reviews the full picture, including the insured’s operations, underlying program, and requested limits, to help you evaluate available options and move the submission forward. 

Send Your Submission
Excess Liability Gallery | OGA
Leslie Hamilton | Excess | OGA

Tips For Submission From Your Underwriter

Provide complete submission documentation, including the following:

  • Applicable Supplement (i.e., Contractors Supplement, Habitational Supplement, etc.)
  • Copies of underlying CL & Auto quotes or policy (COl’s not acceptable)
  • Currently valued, hard copy carrier loss history for GL & Auto for last 3- 5 yrs
The more info we have up front, the sooner we can complete the XS quote!

Target Classes And Additional Target Classes

  • Lessors Risk
  • Apartment Complexes
  • Commercial & Residential Contractors
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  • Habitational
  • Hotels
  • “Main Street” businesses
  • Manufacturing
  • Non-profit organizations
  • Offices
  • Public Entities
  • Real Estate Management
  • Restaurants
  • Self Storage Facilities
  • Strip Malls
  • Trade Contractors
  • Wholesalers / Distributors / Importers

Frequently Asked Questions

Can you write unsupported XS?

YES! We can quote XS over OGA policies as well as non-OGA policies.

Can an XS be quoted over multiple lines of coverage?

Yes! XS quotes can go over GL, Auto, Garage, Liquor & Employers liability.

What are the minimum required underlying limits?

  • GL: $1m/$2m/$1m.
  • Auto: $1m CSL.
  • Employers’ Liability: $1,000,000.