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Commercial Package
& Umbrella Appetite

PMA commercial package products—offered either as part of a package or on a monoline basis—include features and support such as:

  • Additional property and general liability coverages and increased limits
  • Risk control services with a strong base of technical expertise
  • An experienced staff of dedicated property claims professionals
  • Ability to offer clients PMA’s exceptional workers’ compensation along with strong property insurance products and services
  • Commitment to providing practical risk management solutions that meet your clients’ needs
Formats
  • Commercial Property: Monoline or as coverage part of package policy
Forms
  • Commercial Property: ISO with proprietary commercial property forms
  • Commercial Output Policy: ISO forms
Capacity
  • Commercial Property: $50M - $70M any one amount subject
Concerns
  • Commercial Property: Prudent underwriting, and limited capacity, for catastrophic exposures including EQ, EQSL, Flood, Coastal Windstorm, Hail, and Terrorism. No appetite for high hazard, agricultural, mining, oil & gas, logging exposures. Geographic restriction for Florida with exception of incidental exposures.
Rating
  • Commercial Property: Blanket or specific rating available

PMA Insurance Group offers true umbrella protection with our "drop down" coverage availability. Our umbrella policy's coverage provisions and rate structure competitively position us within the industry. The combination of our full coverage and high limits capacity allows you to keep all major coverages with PMA.

Formats
  • Commercial Umbrella: Available solely over PMA underlying GL and Commercial Auto
Forms
  • Commercial Umbrella: ISO forms and proprietary endorsements
Capacity
  • Capacity to mirror domestic policies is available
Concerns
  • Commercial Umbrella: Worldwide capabilities with restrictions solely for low and moderate catastrophe type business
Rating
  • Commercial Umbrella: Proprietary rates

PMA's commercial umbrella coverage offers:

  • True umbrella form, most current ISO-tested language
  • Automatic additional insured from underlying
  • Low self-insured retentions
  • Liquor law coverage available for distributors and manufacturers (subject to individual state approvals)
  • Coverage extensions for property in the insured's care, custody, or control

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