GLUE (General Liability Umbrella and Excess) – Edge Underwriting

Submit a GLUE Risk

What Is GLUE?
General Liability Umbrella and/or Excess, or GLUE for short, is a modular policy designed to rescue your client from many sticky insurance situations.

GLUE comes in 3 strengths: SuperGLUE; GLUE; and GLUELite.

SECTION 1: an Excess Liability layer up to $30m which can stick to Public Liability, MV Liability and Workers Comp (Common Law), it can also match (double) any approved sub-limits covered under the primary liability policy.

SECTION 2: Drop-down cover up to $30m which includes the following:

Contractual Liability (blanket basis)
Principals as joint insureds (blanket basis)
Waiver of subrogation (blanket basis)
Exports to USA / Canada
Optional Incidental PI (up to $5m)

SuperGLUE

Sections 1 & 2

Our highest level of cover providing all the benefits of the full package, since 2013.

Which Option Is Right for Your Client?

Client Situation SuperGLUE GLUE GLUELite

Needs $30m, $40m, or $50m cover, but the

primary insurer can provide only $20m.

Needs increased limit and the Principal as a

joint Insured, which the primary insurer

cannot accommodate.

An existing or new contract required a waiver

of subrogation and/or the principal as a joint

insured.

Exports to USA/Canada and the primary

insurer is unable to accommodate.

Does not charge professional fees but needs

eligible Professional Indemnity of up to $5m.

Wants to increase (double) approved sub-limits

under the primary policy(ies).

Ticks show suggested options for each situation, rather than every product that could provide the cover. SuperGLUE

combines the benefits of both sections. Optional incidental PI remains subject to underwriting acceptance.

GLUE

Section 2 Only

Drop-down liability cover for clients needing contractual

and other specified extensions

GLUELite

Section 1 Only

Follow-form Excess Liability up to $30m, and can double approved sub-limits

Contracts

Strong controls over contracts entered into. Clients refer contracts to their broker or legal advisors before signing, and push back on onerous conditions where possible.

Matching details

Name of Insured(s) and business description must match the primary policy.

USA/Canada Exports

Strong product risk management and quality controls.

Professional Indemnity

Client not performing true white collar professional services nor charging pure professional fees.

What We

Look For

Target Risks

We consider most risks that have:

contractual exposures (new or existing)

incidental PI exposures (up to $5m)

the need for higher Limits of Liability up to $50m.
Up to $30m excess capacity, allowing a combined limit of up to $50m above a $20m primary policy.

products going to USA/Canada

What We Don’t Like

Poor Risk Management

Power poles/ Overhead Power

Processing Plants Critical Works

Blue Collar
labour hire

White Collar PI Risks

Public Utilities

Critical Work

Rail
Track / Signals

Security Industry (crowd control)

Rolling Stock
Manuf/Repairs

Airside

lighting/runway

Adverse Claims History

Not Sure If it Fits?

Our underwriters can help determine the most appropriate solution based on the nature of the risks, the limits needed and any contractual requirements.