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Protect Your High-Risk Business with Excess & Surplus (E&S) Lines Insurance

For businesses facing higher risks, standard liability insurance often falls short of providing adequate protection. E&S lines insurance offers a tailored solution designed to address your specific needs.

Why Panthera

At Panthera Insurance, we specialize in helping businesses secure Excess and Surplus (E&S) lines insurance, tailored specifically to meet your unique needs. E&S lines are designed for businesses with risks that may not be fully addressed by standard insurance policies, and our team of experienced professionals is here to guide you through the process.

We take the time to understand your specific risks and the complexities of your business, ensuring that we identify the right coverage options to provide comprehensive protection. Whether your company faces unusual or high-risk scenarios, we have the expertise to match you with the most appropriate E&S solutions.

 

Why E&S

This type of insurance provides customized coverage that goes beyond the scope of general policies, ensuring you have the protection required for your unique business risks.

E&S lines insurance is a specialized form of commercial coverage that is not provided by standard insurance carriers. It is intended for businesses with unusual or elevated risks that typical policies might not address. You might need E&S lines insurance if your business involves high-risk services, such as contracting, electrical work or roofing, or if you face unique circumstances, such as serving high-profile clients or managing large inventories. Additionally, if your business has been operating for less than three years, E&S lines insurance could offer the essential protection you need.

FAQs

  • What are excess and surplus lines?

    These are insurance products for risks that standard carriers may not cover due to their unique or high-risk nature.

  • Who typically needs excess and surplus lines insurance?

    Businesses with unique, complex, or high-risk exposures, such as large construction projects or niche industries, often require this type of insurance.

  • Do you cover hard-to-place risks?

    Yes, we excel in finding solutions for hard-to-place and high-risk exposures.