Commercial property with umbrella and excess liability insurance protection

Excess Casualty Insurance Insurance: Average Premiums & Pricing Factors

Quick Answer

How much does Excess Casualty Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.

Comprehensive FAQ, cost guide, and claims examples for excess casualty insurance — high-limit liability coverage above primary policies.

What You Need to Know

Excess casualty insurance provides additional liability coverage above primary general liability, auto, and employer's liability policies.

Excess Casualty Insurance Cost by Business Size

Business Size	Annual Revenue	Typical Premium	Notes
Small Business	Under $1M	$1,000–$3,000/yr	$1M–$2M excess coverage.
Large Corporation	$50M+	$25,000–$100,000/yr	$10M+ excess coverage.

What Determines Your Premium?

Underlying Risk (High impact) — High-risk businesses (construction, transportation) pay more for excess coverage.
Coverage Limits (High impact) — Each additional $1M of coverage adds to the premium.

Check the next layer of the liability tower

A useful premium comparison starts with the same underlying policies, requested limit and attachment point. Share your actual operations and loss history so the review goes beyond a broad price range.

Illustrative commercial district with offices, shops and a delivery van

Price the operation, not just the requested limit

Construction managers reviewing plans on a commercial project

Revenue, payroll, project size, subcontracting and the type of work help underwriters understand severity exposure. Two businesses asking for the same limit can receive different terms and premiums.

Describe current and projected operations.
List larger contracts and project types.
Explain changes since the last renewal.

Separate the impact of the auto exposure

Fleet supervisor inspecting delivery trucks at a depot

Fleet size, vehicle types, radius and passenger or cargo operations can affect how a market views the underlying auto layer. Provide accurate schedules and primary limits when requesting excess auto protection.

Identify owned, hired and non-owned exposures.
State the underlying auto carrier and limit.
Disclose excluded drivers and unusual operations.

Show the full premises schedule

Property managers reviewing pedestrian access in a commercial courtyard

A single office and a multi-location property portfolio present different exposures. Unit counts, occupancy, amenities and the operations of tenants or visitors provide context beyond the mailing address.

List all insured entities and locations.
Describe pools, parking and public access.
Identify contractual limit requirements.

Compare limits, attachment and aggregate together

Manufacturing engineer inspecting a machined component

Premium alone does not show how two quotes differ. A higher attachment point, restrictive endorsement or defense provision can change the protection available even when the headline limit is the same.

Align the underlying schedule on every proposal.
Compare occurrence and aggregate provisions.
Review products and completed-operations terms.

Request a quote supported by actual documents

Business owner and insurance advisor reviewing underlying policies

Published ranges are starting points, not offers of coverage. Current declarations, full policy forms, loss runs and contract requirements help a producer seek terms based on your business.

Enter the requested additional limit.
Add each underlying policy on Step 2.
Upload the documents currently available.

Start your umbrella and excess quote

Carrier availability, attachment requirements and policy terms vary by state and risk.

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Casurance is a licensed commercial insurance agency serving businesses in California, Texas, Nevada, and all 50 states. We work with A-rated carriers to find the right coverage at competitive rates.

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