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Commercial Casualty Insurance Coverage
Casualty solutions for today’s evolving commercial risks
Munich Re Specialty Insurance offers Primary and Excess Casualty commercial insurance coverage through our select wholesale broker network. Our broad risk appetite, expert underwriting and claims capabilities, and company strength and stability, allows us to provide insurance solutions your clients need to protect and grow their business.
Primary Coverage
Coverage Details

- Targeted premium range is $20,000 to $500,000
- Ability to offer both Occurrence and Claims-Made triggers
- Will consider both deductible and SIR options
- Worldwide Products Capability
- Maximum Revenue of $500 Million
- Our products are written on surplus lines paper, rated A+, XV (Superior) by AM Best and financial strength rating of AA- (very strong) from Standard & Poor’s
Target Classes
Contractors
- Commercial Contracting
- General Contractors and Subcontractors
- Artisan trade contractors
- Excluding NY and CO
- Residential Contracting
- General Contractors and Subcontractors
- Artisan trade Contractors
- Excluding NY, Tier 1 CD states, new condos/townhomes, and large tract developments
Hospitality
- Hotels, Restaurants, Convenience stores, Supermarkets
- Not targeting Gentlemen’s clubs, college fraternities/sororities, college bars, extended hours clubs, risks in states with ISO liquor grades 8-10
Product Manufacturers and Distributors
- Domestically made products
Real Estate
- Commercial Real Estate
- Residential Real Estate
- Owned locations
- Accounts with good controls surrounding premises security
- Minimum of 7 years of currently valued loss data required
- Not targeting property managers, large schedules, risks that provide assisted living services/medical support
Excess Coverage
Coverage Details

- Supported and Unsupported Excess Available
- Straight Excess Follow Form
- $5 Million in capacity
- Prefer lead $5M, or $5M x $5M layer
- Supported lead $5M Excess Minimum Premium is $10,000
- Unsupported lead $5M Excess Minimum Premium is $25,000
- Buffer Layers within the first $5 Million – Ability to offer $1 Million to $5 Million in capacity
- Maximum revenue of $500 Million
- Our products are written on surplus lines paper, rated A+, XV (Superior) by AM Best and financial strength rating of AA- (very strong) from Standard & Poor’s
Target Classes
Auto
- Excess Auto Buffers
- Target auto fleet size of less than 100 units
- Preferred fleet composition of PPTs and LTs
- Auto fleet over 250 units require a $2M CSL underlying
- Not targeting long haul trucking fleet size over 400 units, food delivery and livery exposures
Product Manufacturers and Distributors
- Domestically made products
Contractors
- Commercial Contracting
- General Contractors and Subcontractors
- Artisan trade contractors
- Excluding NY and CO
- Residential Contracting
- General Contractors and Subcontractors
- Artisan trade Contractors
- Excluding NY, Tier 1 CD states, new condos/townhomes, and large tract developments
Hospitality
- Hotels, Restaurants, Convenience stores, Supermarkets
- Hotels offering shuttle services may require $2M CSL
- Excluding Gentlemen’s clubs, college fraternities/sororities, college bars, extended hours clubs, risks in states with ISO liquor grades 8-10
Real Estate
- Commercial Real Estate
- Residential Real Estate
- Owned locations
- Accounts with good controls surrounding premises security
- Requires a Per Location Aggregate endorsement on the Underlying with at least a $5M cap
- Minimum of 7 years of currently valued loss data required
- Not targeting property managers, large schedules, risks that provide assisted living services/medical support
Download our Casualty Product overview for more information.
Contact our team for details
About Munich Re Specialty Insurance
Munich Re Specialty Insurance (MRSI) is a description for the insurance business operations of affiliated companies in the Munich Re Group that share a common directive to offer and deliver specialty property and casualty insurance products and services in North America.
For more information on MRSI, including licensing, regulatory-required, and other information on the operating companies, please click here.