Casualty & Excess
Rising jury awards, tighter underlying requirements and thinner excess capacity mean limits that looked adequate a few years ago may no longer be enough. How the layers fit together now matters as much as the limit itself.
INP Specialty helps producers place general liability and build umbrella and excess towers for complex operations, reviewing contracts, underlying requirements and gaps before the risk goes to market.
Lines we place
General Liability
Complex operations, contractual requirements and gaps in existing liability coverage.
Umbrella & Excess Liability
Additional limits, underlying policy requirements and how the coverage layers fit together.
Our Approach
We start with the operation, not the form. Our team reviews how your client actually works, including contracts, subcontractors, locations and loss history, and maps those exposures against the primary wording before we approach markets. For excess placements we look at the whole tower: attachment points, follow-form language and underlying requirements, so each layer responds the way your client expects.Our Strategy
We work with a select group of carriers that understand complex casualty risks. Our strategy focuses on:
- Clear submissions that anticipate underwriter questions.
- Tower design that aligns attachment points, underlying limits and terms.
- Contract review for additional insured, waiver and indemnity requirements.
- Responsive service from submission through binding and renewal.
Trends we are tracking
Social Inflation and Nuclear Verdicts
Jury awards continue to climb as litigation funding, anchoring tactics and public sentiment push settlement values higher. Claims that once settled within primary limits now reach well into excess layers. Carriers are responding with higher rates, lower capacity and closer scrutiny of loss history, making early, well-prepared submissions more important than ever.
Social Inflation and Nuclear Verdicts
Jury awards continue to climb as litigation funding, anchoring tactics and public sentiment push settlement values higher. Claims that once settled within primary limits now reach well into excess layers. Carriers are responding with higher rates, lower capacity and closer scrutiny of loss history, making early, well-prepared submissions more important than ever.Thinner Excess Capacity
Many excess carriers have reduced the limit they will put on any one layer. Towers that once needed two or three participants may now need five or more. More participants means more wording to reconcile, and small differences in follow-form language can leave gaps exactly where a large loss would land.
Thinner Excess Capacity
Many excess carriers have reduced the limit they will put on any one layer. Towers that once needed two or three participants may now need five or more. More participants means more wording to reconcile, and small differences in follow-form language can leave gaps exactly where a large loss would land.Contractual Risk Transfer Under Scrutiny
Additional insured, primary and non-contributory, and waiver of subrogation requirements are now standard in commercial contracts, but policy wording does not always keep up. When contract and policy disagree, your client can carry a liability they believed was transferred. Reviewing contracts alongside the policy closes those gaps before a claim does.
Contractual Risk Transfer Under Scrutiny
Additional insured, primary and non-contributory, and waiver of subrogation requirements are now standard in commercial contracts, but policy wording does not always keep up. When contract and policy disagree, your client can carry a liability they believed was transferred. Reviewing contracts alongside the policy closes those gaps before a claim does.Stricter Underlying Requirements
Excess carriers are asking for higher underlying limits, specific endorsements and fewer exclusions on the primary policy. A change at renewal on the primary layer can quietly affect coverage higher up the tower. Coordinating primary and excess placements together keeps the structure consistent from the ground up.
Stricter Underlying Requirements
Excess carriers are asking for higher underlying limits, specific endorsements and fewer exclusions on the primary policy. A change at renewal on the primary layer can quietly affect coverage higher up the tower. Coordinating primary and excess placements together keeps the structure consistent from the ground up.Whether you're a retail broker looking for a responsive partner or a carrier seeking disciplined distribution, INP Specialty brings insight, experience, and a focus on results.
Let’s Talk
Nathan Trimble
Chief Commercial Officer