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Key Facts

SME Excess Casualty

Targeted Industries:

  • Commercial Real Estate
  • High-end Restaurants
  • Boutique Hospitality with minimal liquor exposure
  • Retail
  • Wholesale/Distribution
  • Artisan Contractors
  • Light Manufacturing

Areas Out of Appetite:

  • General Contractors; Habitational Real Estate; Trucking; CO, NY, SC, WA, WV Contractor Risks; Exterior Work Above 4 Stories; Logistics; Energy; Environmental; Medical Exposure or Devices; Cosmetics Manufacturing; Nightclubs and Adult Entertainment; Bars and Taverns; Internet Retailers; Toy Stores or Manufacturers; Camps and Daycares; Products Imported from China

Geographic Scope:

  • 50 States & D.C.

Coverage Features:

  • Follow Form Excess Policy
  • 3 to 18 month policy periods
  • Unsupported Excess
  • Admitted and non-admitted

*Max attachment point: $25M

Limits Offered:

  • $5M Lead and High Excess*

Array Differentiators:

  • Intuitive, digital portal
  • Superior service
  • Competitive terms and pricing
  • Real-time broker analytics
  • Real-time third-party data via API to ensure accuracy
  • Emphasis on broker niches/expertise

Maximum Exposure:

  • $20M in Annual Revenue

Minimum Policy Premium:

  • $1,000

Attachment Points:

  • $1M/$2M/$1M GL
  • $1M Auto
  • $1M/$1M Liquor
  • EL State Mandatory

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