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GenStar Launches Excess Liability Program

General Star National Insurance Company has filed a new Initial Public Policy Program to provide excess liability coverage for large public entity risks in Florida. The program is underwritten by Genesis Underwriting Management and Information Services Company, LLC, serving as an alternative market writer on both admitted and surplus lines bases.

The filing introduces a range of independently developed and ISO-based forms and endorsements designed to support excess risk transfer. Coverage applies to large public entities with account premiums ranging from $182,000 to $11 million, attachment points from $500,000 to $30 million, and limits up to $10 million per occurrence or wrongful act. Claims may be handled through TPAs or self-administered arrangements.

The rating manual allows for individual rating of complex risks, with documentation requirements to ensure compliance with Florida regulations. The filing includes several key exclusions, including a Total PFAS Exclusion and exclusions related to cyber, privacy, and media liability. Payment terms are structured on a “pay on behalf of” basis, with claim expenses potentially eroding limits.

Submitted to the Florida Office of Insurance Regulation with a requested effective date of August 29, 2025.

GenStar operates exclusively through select wholesale brokers and is a subsidiary of General Re Corporation, which is part of Berkshire Hathaway.