CASUALTY PROGRAMS

The Company's Casualty programs are second to none. As with property programs, our many binding agreements give us flexibility and an advantage in both coverage and competitive pricing. We have many agreements with admitted carriers where needed, plus the diversity of innovative surplus lines companies. In the event that the submission does not fall within our binding agreements, METCOM EXCESS has many non binding agreements with a variety of carriers, some on a virtually exclusive arrangement.

The classes available for our primary casualty coverages are almost limitless so we will attempt to highlight here certain groups that we are successful with.

Premises Based Casualty Coverages.

Habitational

From 5 family older apartment houses, to multi location hi rise buildings, METCOM EXCESS has a program to fit all. Up to Three Million primary coverages available in all the states we operate in. We have availability of full lead coverage, limited lead coverage and no lead coverage depending on the individual risk, with pricing

Bars and Restaurants

METCOM EXCESS superior bar and restaurant programs are near the top of the industry. We have exclusive programs in both general liability and liquor liability, with employment prac-tices liability available as an endorsement under some programs. We can quote restaurants including liquor law liability on all classes of establishments from white tablecloth to restau-rants with entertainment. Bars, from neighborhood taverns to night clubs. We have both admitted and non admitted carriers to quote these