Console
What the system knows, and how the agents behave. Every change applies on the next run.
The product book
What the carrier can actually write, product by product. This rides into every scoring prompt, draft, and brief alongside the emphasis below. State-level admitted-vs-E&S nuance is exactly why drafts stop at an underwriter instead of sending.
Primary Casualty
- Capacity
- GL to $2M/$4M/$4M; Auto CSL to $2M
- Paper
- A rated, admitted and non-admitted
- States
- All 50 states + DC, admitted and non-admitted GL
- Programs
- Annual programs · Project-specific · CIPs and rolling OCIPs
- Lines
- Commercial General Liability (admitted or E&S) · Commercial Auto Liability & Physical Damage · Workers' Compensation
Middle-market to enterprise contractors; customized forms and industry endorsements; jobsite-technology credits for Procore, Autodesk, and Samsara users.
Excess Casualty
- Capacity
- $5M to $12.5M per occurrence, $2M minimum attachment
- Paper
- A rated, admitted and non-admitted
- States
- All 50 states + DC
- Programs
- Annual portfolios · Project-specific
- Lines
- Lead umbrella · Follow form excess
The easiest first submission from a national office: excess over an incumbent primary, from structural contractors up to large road and civil programs.
Builder's Risk
- Capacity
- Project TIV to $75M; quota share above $150M
- Paper
- A+ rated
- States
- All 50 states + DC
- Programs
- Project-specific placements · Master programs · Quota share
- Lines
- Materials and work in progress · CAT · Testing & mechanical breakdown · Modified defective design · Green Plus · Contingent builder's risk
Complex builds - data centers, life sciences, site and roadway - where the 24-hour indication matters most against two-week markets.
Appetite
Goes into the scoring prompt and every brief. The agents push what you want and skip what you don't.