Excess & Surplus Property

Overview

We develop “first call” relationships with our producers and nurture long-term relationships through responsive and disciplined underwriting. Our underwriters average in excess of 20 years of diverse insurance experience, so we understand the market – regardless of market direction. 

Corporate Contact

Our Brand Promise

Pursuing Better Together encapsulates how we do business at Arch Insurance. It is an approach that is based on collaboration, responsiveness and a genuine commitment to continually raising the bar.

• Healthcare services – hospital, nursing home, assisted living.
• Hospitality – hotels, motels, country clubs and restaurants. 
• Manufacturing/processing. 
• Real estate schedules – residential properties, shopping centers, office buildings.
• Course of construction risks and renovation projects (non-structural).

• Equipment and property floaters.
• Entertainment – theatres/amphitheaters, sports complexes.
• Financial services. 
• Houses of worship. 
• Municipalities.

• Programs needing additional capacity.
• Risks exposed to catastrophic perils.
• School Districts – elementary,  secondary, colleges and universities.
• Vacant buildings.
• Warehouses and distribution centers.

Products 

• Primary/Ground-up/Excess. 
• Shared & Layered. 
• Single Peril/Difference in Conditions – CAT exposed risks. 
• Builders’ Risk – lower hazard. 
• Higher Hazard Facility.
  • Primary Residential. 
  • Higher Hazard Non-CAT Occupancies. 

Coverages Available

• All risks.
• Single peril/Difference in conditions coverages for earthquake, flood or wind.
• Equipment breakdown available as an additional coverage.

Features

• Tailored programs.
• Practical solutions for challenging situations.
• Flexible policy wordings.
• Programs needing additional capacity.
• Domestic jurisdictions only.
• Wide array of deductible and self-insured retention options.
• Preferred AOP deductible: $10K per occurrence. Can go to $5K minimum under special circumstances.
• CAT deductible minimums: varies by zone.

Capacity

• Up to $25M in limits.
• $20,000 minimum premium, except $25,000 higher hazard facility. 

Distribution

• We are a wholesale only market with wholesale only producers.

Service Delivery

• Our in-house claims professionals have extensive experience handling most types of losses and are dedicated to providing customized, responsive customer service to each insured.
• Risk Control personnel, available to provide value added risk control services and support.

E&S Property Benefits

• Financial strength and a stable market.
  • A.M. Best: A+ XV.
  • Standard & Poor’s: A+.
• Knowledgeable and experienced staff.
• Broad underwriting appetite.
• Relationship focused on key partnerships.
• Quick turnaround on quotes.
• Flexible and open-minded.
• Collaborative with our producers.
• Thirty day policy issuance turnaround on primary/ground-up Arch policy forms.
• Creative solutions.