TX excess layer / project-specific umbrella / excess liability insurance

April 26, 2026

by a searcher in Terrell, TX, USA

I'm operating an HVAC contractor in the Dallas, TX metro area. My largest customer requires $5M GLI policy, but my agent struggles to place me with a carrier. So far, lots of forms completed with no result. As I understand, regular agents might not be qualified to find the right underwriters for such policies. AI tells me excess layer / project-specific umbrella / excess liability insurance are the quicker paths than the conventional umbrella. Are there any insurance specialists here who dealt with such situations and can advise how to tackle that or recommend a TX agent able to work on such a policy?

Reply by a professional
from West Virginia State College in Austin, TX, USA

Hi Vitaly -- You might want to speak with someone who specializes in more complex placements, as this sounds like a situation that likely requires access to the right excess markets vs a standard broker approach. I have a friend who works in this arena though I can't guarantee a particular outcome, they do provide custom solutions for problems like these. If this is still an issue for you, I would be happy to connect you.

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