Excess & Surplus Property
For complex property exposures with needs beyond a primary layer, businesses turn to MSIG USA.
Some commercial properties require excess layers because they face risks that are challenging to insure against, such as increased exposure to catastrophic weather like named or convective storms, a history of frequent losses, or inadequate loss prevention measures. When admitted carriers don’t have the appetite or technical skills to provide the full coverage these facilities need, our excess and surplus property insurance offers a viable solution.
The underwriting excellence, stability, and expertise you require
As the US-based subsidiary of MS&AD Insurance Group Holdings, Inc.—with A+ ratings, a 350-year heritage, and a reach that spans 40+ countries and regions—MSIG USA brings the underwriting excellence and expertise to provide excess property insurance for leading organizations. Working with a broad spectrum of customers that includes many Fortune 1000 companies, we focus on assets with total insured values of less than $500 million, with a minimum attachment point of $5 million.
Turn to MSIG USA for excess and surplus property coverage for soft and hard occupancies such as these:
- Residential real estate (such as apartment buildings)
- Commercial real estate
- Municipalities
- Schools
- Hospitality
- Gaming
- Healthcare
- Retail
- Heavy manufacturing (including glass, wood, plastics, and metal)
- Food and beverage processing
- Pharmaceutical
- Technology
- Chemical
MSIG USA also offers excess insurance for properties of higher total insured values through our US General Property and Industrial & Global Property solutions.
Our underwriters understand your unique exposures
MSIG USA provides exactly what it takes to write excess and surplus property policies with confidence—including a team of underwriters with exceptional experience in this market, a highly technical method for analyzing property risks, and an innovative approach to offering excess coverage. From challenging soft class exposures to high-hazard manufacturing risks, for example, our underwriting team has the knowledge and expertise to evaluate each exposure objectively.
As a result, we can consider offering excess insurance on properties other carriers turn away and make informed recommendations on the optimal structure for an excess property policy. Our consistent approach and stability mean you can count on MSIG USA for excess and surplus property insurance, year in and year out.
And in the event your property experiences a loss, our claims team will draw on decades of experience and proven best practices to help ensure the claims process runs smoothly.
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