Higher Limits. Cleaner Contracts. Faster Turnaround.

It varies by class, auto exposure, payroll/sales, underlying terms, and loss history. Many low-hazard businesses can start in the low four figures annually. Heavy auto, contractors, and habitational risks price higher.

Often mid-four to five figures annually depending on class, auto exposure, underlying limits, and loss history. Many programs at $5M+ are built in layers with multiple carriers.

Typically General Liability, Commercial Auto, and Employers Liability. Some carriers allow additional underlying schedules — professional liability, garage liability, or liquor liability — depending on class and form.

Umbrella generally follows form. If it's excluded on the underlying, it's usually excluded above unless specifically endorsed. Common exclusions: pollution, professional services, cyber, employment practices, owned property. Details vary by carrier.

"Excess" strictly follows form — same coverage as underlying, just more limit. "Umbrella" can sometimes broaden coverage by dropping down for gaps in the underlying or covering claims the underlying doesn't. The terms get used interchangeably, but the form wording matters.

If contracts, venues, owners, or lenders require higher total limits, or your exposure includes higher-severity risks (heavy auto, crowds, foot traffic, large portfolios) — yes. Higher limits are often a cost-efficient balance-sheet protector.

Yes. Non-renewal and decline are common reasons to come to KIG. We work with surplus and specialty carriers that will quote roofers, demo crews, fleets with claims, and other hard-to-place classes.

For limits over $10M, one carrier rarely writes the full amount. We stack multiple carriers — e.g., $5M primary excess + $5M first layer + $10M second layer — to build a $20M tower. We negotiate the structure across markets.