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PRODUCTS

Excess Casualty

Protection once a specified threshold of losses is exceeded, offering additional coverage beyond what would typically be covered by primary policies.

Limits available from $1M to $50M excess primary GL, AL, and EL limits.

Supported and Unsupported coverage options available via ISO forms

Additional ancillary coverages are available based upon their acceptability

Liquor Liability options available on select accounts based on venue

Appetite and Target Classes

Rushmore has a diverse appetite to provide solutions across multiple industry segments. Our standard appetite will support low and medium hazard risks, as well as high hazard risks into the six-figures, with larger risks considered on a case-by-case basis.

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Manufacturers, Importers, Distributors and Wholesalers

  • From new start-ups, established businesses, to businesses being sold/discontinuing operations
  • Stand-alone Products Liability, or full CGL
  • Discontinued Products Liability – entire product line or specific products
  • Occurrence or claims-made coverage form
  • Worldwide coverage available
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Residential, Commercial and Industrial Contractors

  • GC’s, Remodelers, Renovations & Related Artisans
  • Project-Specific, Owner’s Interest, OCP, & Discontinued Operations available
  • Blanket Coverages Available: CG2010, CG 2037, CG2404 (Waiver of Subrogation), PNC Wording, and Per Project Aggregate
  • Optional AI Edition Dates Available: 04/13, 07/04, or 10/01
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Real Estate

  • Lessors Risks Only – including high hazard tenant operations
  • Office Buildings/Shopping Centers/Strip Malls/Warehouses
  • Per Location Aggregate Available
  • Deductibles, SIR’s
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Habitational

  • Apartments, Co-Ops, Condominium Associations, Homeowner & Townhome Associations (including larger schedules, high rises)
    • Market Rate, Subsidized/Section 8, Student, Independent Senior Living
  • Dwellings (including larger schedules)
  • Per Location Aggregate Available
  • Deductibles, SIR’s
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Mercantile / Retail

  • Monoline GCL or package policies available
  • No revenue cap
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Hospitality

  • Restaurants, Bars, Taverns
    • Package Policy including Liquor Liability (LL has separate limit from CGL)
    • Non-Owned Auto Available – No Delivery Exposure
  • Hotels/Motels

Rushmore will also consider additional industries and related classes with more a focused acceptability driven by individual risk characteristics, pricing and terms.

Supported & Unsupported
Excess Liability

A strategic addition to your insurance portfolio that provides an extra layer of financial protection for your assets and peace of mind for your business.

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Excess capacity is offered on a supported and unsupported basis (the underlying primary casualty policy must have limits greater than or equal to $1M/$2M/$2M)

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Commercial Excess Liability  ISO form

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Ability to schedule additional underlying coverages (auto liability, employers’ liability and professional liability), subject to underlying carrier, minimum underlying limits and overall exposure acceptability