Trisura Insurance Company has filed to introduce a new Excess Liability Program (TXSL) in California under the Commercial Umbrella and Excess (TOI 17.0) line, effective upon approval. The filing represents a new program launch with no existing policyholders and projected annual premium of $5 million based on 100 earned exposures.

The TXSL product is designed to follow form to the insured’s primary policy and includes distinct applications for Management Liability (TXSL.ML) and Technology & Cyber Liability (TXSL.TCL). Rating is based on an Excess Pricing Factor (EPF)—ranging from 0.35 to 1.25—applied to the preceding layer’s pricing, with Schedule Rating Factors permitting adjustments of ±25% depending on risk characteristics.

The filing introduces new forms and endorsements addressing exclusions such as Communicable Disease and Cyber Exclusion for the Insured Entity. The program specifically targets technology firms, financial institutions, and professional liability risks, with 100% of business distributed through independent agents.

The application process for the Technology and Cyber Liability product includes detailed review of the applicant’s data collection practices (e.g., Google Analytics, Meta Pixel), cybersecurity protocols (firewalls, antivirus, encryption, VPN), and software vulnerability management.