XPT:S&H Underwriters can entertain most ISO classifications shown in the Commercial Lines Manual. With Binding authority with many carriers, we can provide you with fast turnaround on your submissions. XPT:S&H also has access to many brokerage markets for Casualty insurance that are willing to entertain many of the tougher liability classes.

Products Liability coverage is available on a monoline basis, and premises GL can often be added. All types of manufacturers, distributors, importers, and sellers of a wide range of products can be entertained.

Owners Contractors Protective Liability (OCP) can be written within our binding authority on jobs/construction projects with costs under $1,000,000.

Special Event Liability for those short-term events like fundraisers, family reunions, sporting events, concerts etc. In-house binding authority for up to $1,000,000/$2,000.

Some of the commonly written classes of business for Commercial General Liability are:

1. Contractors/Artisans/GC’s/Roofers
2. Welders
3. Machine Shops
4. Lessors Risks
5. Product Distributors/Manufacturers
6. Restaurants and Taverns
7. Mercantile classes such as clothing stores, furniture stores, grocery stores etc
8. Apartments and Dwellings
9. Hotels Motels
10. Condominium Associations

• Accounts Receivables
• Bailees Customers Goods
• Builders Risk
• Contractors Equipment including Cranes
• Contractors Equipment including tools
• Computers
• Equipment Sales & Rental
• Renewable Energy(mainly Solar)
• Signs
• Valuable Papers/Record
• Installation Floaters
• Warehouse Legal
• Scheduled Property Floater
• Transportation – Shippers Interest
• Vendor Booths/Carts
• Personal Jewelry Floaters
• Personal Articles Floaters

Our markets can offer limits up to $10,000,000 and higher if needed. Underlying requirements of $1mil/$2mil on liability, $1,000,000 on Auto Liability and $500,000 for Employers Liability are required for our markets to consider. Carriers must have a minimum AM Bests Rating of B+ XV or A-VII or better.
Submissions need to include:

1. Acord 125 Commercial Acord Applicant Information Section which should include the year the business started and a good description of the risk.
2. Acord 131 Umbrella/Excess Application – be sure to include the limit that is needed, receipts, payroll, the limits for the underlying liability, the liability premiums for each line of business the umbrella is to go over.
3. Acord 126 GL Section and any risk specific supplements that pertain to the risk (Contractors Supplement, Restaurant Supplement etc) and copies of the GL Dec pages showing the codes used and payroll/receipts used
4. If we are writing over the Auto Schedule, we will need a list of Vehicles including the size, use and radius of each unit, Drivers List and MVR’s.
5. Loss runs for 5 years are normally required, along with descriptions/circumstances of any large claims. If you don’t have loss runs, please provide an indication of the loss history and descriptions of any losses that are known.

XPT:S&H Underwriters has access to numerous Professional Liability markets, including our own in-house binding authority facility for certain classes of business. Minimum premiums vary by class. Whether the account is simple or complicated, we have the markets to help you place coverage for your professional clients. Most companies can quote from any other carrier’s application, or if you need an application visit our Applications Page on this website.

Here are some samples of the classes of business we have written. If you don’t see a class of business here, please do not hesitate to call us to discuss your risk!

XPT:S&H Underwriters has access to many companies that specialize in Nonprofit Directors and Officers Coverage.  Some may focus on a specific market sector while others may write a wide variety of nonprofit risks.

This coverage is designed for not-for-profit organizations typically with less than 500 employees and revenue under $50M. Directors and Officers Coverage can be quoted both with and without Employment Practices Liability. Individuals serving on these boards may be held personally responsible for their acts and the acts of the company.

Nonprofits can face claims from decisions made by the members of the board, wrongful termination, third-party discrimination, and data breach concerns.

Their personal assets may be at stake when something goes wrong. A Directors and Officers Liability Insurance Policy is designed to protect the personal assets of the directors and offers in the event they are the target of a lawsuit or claim from creditors, employees, regulators, shareholders and/or others.

Nonprofit Directors and Officers Applications and Supplemental Applications can also be found on our website.

Simply email your applications to Email Quotes

XPT:S&H Underwriters has several appointments with carriers that specialize in For-Profit D&O Products that can offer a combination directors and officers liability and corporate securities liability in one policy form, for publicly traded companies. While each carrier may have some special coverage feature add-ons, the policy forms include coverage for past, present and future directors and officers of the corporation including foreign equivalent positions and spousal coverage. Full prior acts coverage is available to qualified companies. Limits are available up to $10,000,000.

The Management Liability Product is for privately held companies. Like the for-profit product, it covers the insured entity and insured persons including any director or officer foreign equivalent positions, members of the board of managers and management committee members. Spousal coverage is also included. Management Liability product allows companies the option to select a combination of directors, officers, and corporate liability coverage with employment practices liability coverage and/or fiduciary liability coverage under one policies form. Companies can also select a combined aggregate limit of liability across all coverage sections or a separate limit of liability coverage for each section. Companies select additional coverage enhancements such as Co-Defendant liability, Cost of defense in addition to the limit of liability, Claims brought by insured persons who have not served in that capacity for at least four years and Waiver of deductible if no liability.

When looking at Director and Officers coverage or management liability coverage, it is important to look and see if the policy offers the following:

• Defense Costs Outside the Limit of Liability
• Standard Terms No Coinsurance
• Broad Form Coverage
• Broad Definition of a Claim
• No Exclusion for emotional distress/mental anguish
• No Exclusion for Libel, Slander, Defamation
• No Exclusion for Bodily Injury
• Covers All Discrimination Acts

• Coverage included for breaches of the
• Family Medical Leave Act
• Coverage for all employees
• Coverage for non-sexual harassment
• No Intentional Acts exclusion
• No Class Action exclusion
• No Punitive Damages exclusion
• No Downsizing exclusion
• Full Prior Acts coverage is available.

Employment Practices Liability can be written as a stand-alone policy or in combination with a Directors & Officers Liability policy. With Increased financial uncertainty and stress, more and more companies find themselves at risk of unfounded allegations. Employee allegations of discrimination, harassment, wrongful termination, and retaliation are now common occurrences in every type of company or organization. Employment Practices Liability (EPL) Applications can also be found on our website.

Simply email your applications to Quotes Email Remember, a fully completed application with loss runs or loss information result in much faster turnaround time!

XPT:S&H Underwriters has access to several carriers that entertain coverage for various “medical related” accounts. Some of the classes of business quoted that included both CGL and Professional Liability:

1. Acupuncture
2. Nursing Homes and Assisted Living Facilities
3. Home Care Providers-Medial Staffing Agencies
4. Group Homes for the Elderly
5. Outpatient Clinics
6. Distressed Doctors/Physicians/Dentists/Surgeons
7. Medical Testing Laboratories
8. Medical Product Manufacturing or Sales
9. Counselors/Counseling Facilities

XPT:S&H Underwriters has several carriers writing CGL, Pollution and/or Professional Liability for your environmental risks and non-environmental risks that require the coverage. Prior acts coverage is usually available.

1. Contractors Pollution Liability for Fire/Water Restoration Contractors
2. Environmental Consultants, Engineers, and Laboratories
3. Environmental Contractors
4. Waste Facilities –Landfill and Recycling Facility
5. Contractors Pollution Liability for Non-Environmental Contractors
6. Site specific Pollution Liability
7. Underground Storage Tank Pollution Liability
8. Mold Consultants and Contractors
9. Mold coverage for non-environmental