Excess and umbrella

Markel offers flexible insurance solutions in both a lead and excess position over approved underlying carriers. We can offer umbrella or excess form, admitted or non-admitted, and occurrence or claims made coverage.

Our contract binding excess liability product can provide up to $5,000,000 in excess limits on over 500 general liability classes on both a supported and unsupported basis. In addition, Markel can provide excess automobile and employers liability over other approved carriers within the contract binding excess liability product.

Binding target classes

  • General contractors
  • Artisan contractors
  • Mercantile
  • Apartments
  • Offices
  • Lessors risk

Markel's brokerage excess and umbrella product line offers capacity up to $15,000,000 for products in both a lead and excess position over approved underlying carriers. Coverage can be written on an umbrella or excess form on either an occurrence or claims-made basis.

Brokerage target classes

  • Construction
  • Commercial and residential
  • General contractors, trade contractors, and subcontractors
  • Coverage can be offered on a practice, project, wrap-up or OCP basis
  • Some state restrictions may apply

Most manufacturing except

  • Invasive medical products
  • Chemical blending and manufacturing (other than household cleaners)
  • Pharmaceuticals/nutraceuticals/dietary supplements
  • Critical auto parts
  • Aircraft products
  • Tobacco
  • Firearms and explosives


  • Service (except nursing homes)
  • Commercial and habitation real estate
  • Municipalities (including public officials liability and police professional)
  • School districts (including school board legal liability)

Product sheet

Excess and umbrella leadership

Tim Pasik
Managing Director, Excess and Umbrella Product Line Leader