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 Security Insurance Company is part of Everest’s U.S. admitted insurance platform and participates in the Middle Market Umbrella and Excess Casualty offering. The referenced page is product‑level, not a full appetite guide, but it provides operational guidance on target risks and key parameters. Preferred / target business (Middle Market Umbrella & Excess Casualty) - Client profile specifically includes: real estate, hospitality, manufacturing, retail trade, and service industries. These are the core middle‑market classes that the umbrella and excess product is built around.([everestglobal.com](https://www.everestglobal.com/us-en/our-offer/products-and-services/insurance/products/casualty/middle-market-casualty/umbrella-and-excess-casualty)) - Designed for middle‑market accounts written through regional teams; the form is positioned to provide coverage continuity above primary casualty placements, favoring accounts where Everest participates on the primary or underlying layers. Coverage structure and limits - Standard Umbrella, A/B and SIR/retained limit forms are available, allowing flexibility in attaching over various primary casualty programs (including primary GL/auto/employers’ liability).([everestglobal.com](https://www.everestglobal.com/us-en/our-offer/products-and-services/insurance/products/casualty/middle-market-casualty/umbrella-and-excess-casualty)) - Capacity: up to USD 10M in lead umbrella capacity and up to USD 15M in excess‑of‑underlying capacity, with admitted and surplus lines capabilities depending on risk characteristics and jurisdiction.([everestglobal.com](https://www.everestglobal.com/us-en/our-offer/products-and-services/insurance/products/casualty/middle-market-casualty/umbrella-and-excess-casualty)) - Everest Peak Protect SM form with crisis cover is available; includes up to USD 250,000 for crisis management plus one free re‑instatement per policy term, indicating a focus on higher‑severity casualty scenarios with reputational impacts.([everestglobal.com](https://www.everestglobal.com/us-en/our-offer/products-and-services/insurance/products/casualty/middle-market-casualty/umbrella-and-excess-casualty)) Key underwriting parameters / requirements - Minimum required underlying limit of USD 1M, meaning underlying auto and GL must carry at least $1M occurrence limits before Everest will attach with umbrella/excess.([everestglobal.com](https://www.everestglobal.com/us-en/our-offer/products-and-services/insurance/products/casualty/middle-market-casualty/umbrella-and-excess-casualty)) - All underlying insurers must be at least A‑VI (or better) by AM Best, so brokers should structure towers with well‑rated carriers below Everest’s layer. - Product is available on both admitted and surplus lines paper; Everest Security may be used for admitted placements where licensed (Everest Security is licensed as an admitted P&C carrier in Delaware, Georgia, and Alabama).([sec.gov](https://www.sec.gov/Archives/edgar/data/1095073/000109507325000015/eg-20241231.htm?utm_source=openai)) Geographic notes - Everest Security Insurance Company is admitted in DE, GA, and AL; broader U.S. placements may use other Everest admitted or E&S entities. Everest markets this umbrella/excess solution on a U.S. nationwide basis through its Everest Insurance platform, with regional underwriting teams; confirm specific paper and state availability at submission. Restricted / declined classes - The public product page does not list specific prohibited classes. Given Everest’s broader commentary on U.S. casualty portfolio remediation and disciplined underwriting, expect tighter appetite around heavy auto, large‑limit habitational with adverse loss history, certain excess construction and high‑hazard products, and litigation‑prone venues; these constraints are typically detailed in broker‑only appetite guides rather than on the public site.([theinsurer.com](https://www.theinsurer.com/ti/viewpoint/everest-evolution-puts-a-definitive-stake-in-the-es-ground-2026-03-31/?utm_source=openai)) Submission and broker notes - The product is distributed through middle‑market brokers working with regional Everest underwriting teams; the page emphasizes “comprehensive and tailored coverage solutions for our Middle Market brokers and clients,” implying that detailed appetite, pricing, and program design are handled directly with appointed brokers/agents rather than via open‑broker portals.([everestglobal.com](https://www.everestglobal.com/us-en/our-offer/products-and-services/insurance/products/casualty/middle-market-casualty/umbrella-and-excess-casualty)) - No public checklist of submission requirements is provided. In practice, expect standard middle‑market casualty submissions: full GL/auto/workers comp loss runs (5 years where available), detailed exposure bases (sales, payroll, unit counts, vehicles), schedule of locations/vehicles, underlying carrier information and limits, and a completed Everest or ACORD umbrella application. Other product lines - Workers Comp, Commercial Property, Home/Boat/Watercraft are referenced in third‑party appetite aggregators and non‑Everest agencies, not on the official Everest site. Current Everest public pages do not provide explicit, line‑by‑line retail appetite or underwriting rules for those personal or small commercial offerings; those products appear to be distributed via separate agencies or regional programs, with underwriting rules held in broker/agent portals rather than public guides. Operational takeaways for brokers - Use the linked umbrella & excess casualty page as the current public reference for middle‑market umbrella structure, capacity, and target industries. - Focus submissions on mid‑sized real estate, hospitality, manufacturing, retail, and services with solid underlying carriers (≥ A‑VI) and at least $1M primary limits. - Coordinate early with Everest regional excess casualty underwriters to confirm paper (Everest Security vs. other Everest entities), state availability, and appetite for classes with heavier auto, construction, or litigation exposure. - Expect that more granular appetite (including restricted/declined classes and detailed submission checklists) will reside in non‑public producer materials; treat this summary as a high‑level public guideline, not a complete binding guide.