Managing Capacity Constraints in Commercial Umbrella and Excess Liability Insurance: Strategies When Traditional Markets Fall Short

Today's liability insurance market often leaves risk managers and brokers facing a difficult tradeoff: adequate umbrella or excess limits may be unavailable, or available only at prices that put pressure on budgets. Capacity has tightened due to social inflation, a rise in nuclear verdicts above $10 million, and continued reinsurance stress, especially in lower layers and higher-hazard classes. As of mid-2026, lead umbrella pricing remains firm, with rate increases of up to 15% or more across many segments. Carriers also continue to reduce participation, raise attachment points, and apply stricter underwriting standards.

Janitorial Services

Janitorial Services ISO Market Segments Program September 19, 2016 Summary: The Insurance Services Office (ISO) has developed…

HO 06 63 02 17 Broadened Home-Sharing Host Activities Coverage Endorsement

HO 06 63 02 17 Broadened Home-Sharing Host Activities Coverage Endorsement, February 2017 Edition

Consent Judgment Litigation

Consent Judgment Litigation   A Fifty State Overview   June 15, 2015   Summary: This article was written by Catalina J. Sugayan, Carol…

CG 22 97 12 19 Pharmacists - Broadened Coverage

Dwellings and Lead Contamination

From the February 2017 issue of Claims Magazineby Christine G. Barlow, CPCU Last year, the water crisis in Flint, Mich., brought the issue of…

Farmowner Policy Allows Coverage for Auto Accident Off Farm Premises

NY Court decision on whether the insured’s farmowners policy applies to a claim arising from an auto accident that occurred off the insured’s premises.

Can Insurer Appeal Judgment against No-Show Insured?

A California appeals court has confirmed that an insurer can appeal small claims losses, despite the policyholders' failure to appear.

BP 15 06 12 23 Exclusion - Access or Disclosure of Confidential or Personal Material or Information (Personal and Advertising Injury Only)

The ISO BP 15 06 12 23 Exclusion - Access or Disclosure of Confidential or Personal Material or Information (Personal and Advertising Injury Only) that can be attached to the Businessowners Coverage Form.

Victim of Carjacking and Innocent Third Party

This discusses what happens when a carjacking victim strikes another vehicle.