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Excess & Surplus

The Excess & Surplus Property team of Arch Insurance writes a diverse mix of coverages for a variety of occupancies. Arch offers practical solutions for difficult risks, including those generally avoided by the broader commercial property market.

Customer Profile

A partial list of target occupancies in the Excess & Surplus Property marketplace includes:

  • Small high hazard manufacturers
  • Real estate schedules
  • Programs needing additional capacity
  • Poorly protected and unprotected properties
  • Properties with underwriting deficiencies
  • Vacant buildings
  • Municipalities
  • Housing authorities
  • Healthcare Services
  • Financial Services
  • Course of construction risks
  • Equipment and property floaters
  • CAT-driven property exposures, including hurricane, flood and earthquake
  • Deductible buybacks for wind, flood, earthquake and AOP coverages
  • Difference in conditions coverages for earthquake, flood or wind

Key Features

  • Tailored programs
  • Practical solutions for challenging situations
  • Flexible policy wordings
  • Primary and excess
  • Domestic, global and foreign jurisdictions
  • Wide array of deductible and self-insured retention options


  • Up to $50 million in limits
  • $20,000 minimum premium


Select wholesale producers

Submission Guidelines

We develop "first call" relationships with our producers and nurture long-term producer 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.

Your submission should include:

  • Risk specifications, including desired layering, target pricing and expiring carrier/program information
  • Description of properties, including all COPE information, process hazards and specific underwriting issues affecting coverage(s) requested
  • Five year loss history


Insurance coverage is underwritten by a member company of Arch Insurance Group Inc. This is only a brief description of the insurance coverage(s) available under the policy. The policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions.