Everest Security Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Everest’s verified U.S. guidance for this carrier is strongest on Middle Market Umbrella & Excess Casualty, with supporting U.S. product pages for Retail Property, Programs, and workers’ compensation claims/services. Preferred umbrella/excess business includes middle market real estate, hospitality, manufacturing, retail trade, and service industries. Product structure includes standard umbrella, A/B and SIR/retained limit forms, with continuity from primary to umbrella on supported deals. Posted capacity is up to $10M lead and $15M excess, admitted and surplus lines capabilities, $1M minimum underlying, and A-VI underlying carrier requirement. For commercial property, Everest advertises retail property solutions for global and domestic insureds with ground-up, excess and primary appetite, adaptable CAT capacity, broker manuscript capability or Everest Pinnacle form, and up to $175M capacity (with up to $150M all-risk A+ rated capacity including critical EQ, wind, and flood). Workers’ compensation is confirmed as an Everest product line through Middle Market Casualty and Programs; public-facing WC guidance is more operational than appetite-based, highlighting national capability, PPO access in 46 states, California MPN, Texas HCN, and claim-reporting instructions in policy packets. Program business guidance indicates Everest looks for administrators with profitable track records, growth potential, strong market knowledge, targeted-book expertise, solid distribution, entrepreneurial capability, and strong financials; minimum premium requirements are flexible but programs must have enough scale for profitability. Published program classes include staffing/PEO, forestry/logging, lawyers’ professional liability, not-for-profit management liability, security guard/janitorial/alarm/pest control/government contractors, senior living, small commercial property, USL&H, and small commercial workers’ compensation/employers liability. Geographic notes: umbrella/excess is written through regional U.S. teams; programs page states 50-state admitted/non-admitted capabilities; small commercial property in programs is predominantly Mid-Atlantic and Southeast and excludes Texas; lawyers’ professional liability and certain contractor/security programs are available in all states; workers’ comp provider network references 46 states nationally. Restricted or declined classes are not presented in a formal public appetite/declination list on verified Everest pages reviewed; the clearest restrictions are underwriting thresholds/structure requirements such as $1M minimum underlying, A-VI underlying requirement, and product/geographic carve-outs within specific programs. Submission/broker notes: Everest emphasizes broker/client collaboration, regional underwriting access, and product-specific contacts; retail property specifically notes ability to write on broker manuscripts, and the site links to brochures/applications/forms. No verified consumer personal-lines underwriting page was found for Home or Boat/Watercraft under this carrier on the official site, so those were not retained as verified product lines for this refresh.