Excess and Surplus Lines

Excess and surplus (E&S) lines insurance provides coverage for hard to place business that the standard market typically won’t insure. This includes business with adverse loss experience, unusual or high-risk exposures, or complex products. Coverages required may include general liability, property, professional liability and excess liability.

Excess and Surplus (E&S) Lines Experts


Berkley is a leading provider of excess and surplus (E&S) lines insurance. We offer comprehensive insurance solutions and risk management services that can help protect your unique or higher risk business from the many exposures it faces. We can tailor insurance coverage solutions specific to your business while providing responsive and knowledgeable claim service, meaning fewer problems and better results for your business.

Check out our Berkley Locator to discover which Berkley insurance business may be right for your commercial umbrella and excess liability insurance needs. 

How Excess and Surplus (E&S) Insurance Can Help Protect Your Business

The E&S market can help businesses that are denied coverage or can’t find adequate coverage in the standard insurance market. Berkley, an elite excess and surplus lines insurer, can offer creative solutions for unique or hard to place business. Examples of the coverage we can provide includes the following: 

  • General Liability – can protect you and your business against claims for bodily injury, property damage and personal injury resulting from your services, operations and products  

  • Excess Liability – can provide additional protection for your business after the limits on your primary liability policies have been exhausted 

  • Commercial Property – can protect your business from physical damage to property or contents including loss of income and expenses from unexpected events 

  • Inland Marine – can provide coverage for mobile equipment, machinery and tools used in your business operations 

  • Professional Liability – can provide protection from claims due to your negligence, misrepresentation, breach of contract or advice while delivering professional services  

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What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

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Client in Illinois.

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— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.