Lead Umbrella
Excess CasualtyManufacturing, distribution, hospitality, real estate
Excess- Capacity
- $25M
- Attaches
- $1M
Global specialty property and casualty insurer and reinsurer. Writes excess and surplus lines casualty, professional, healthcare, environmental, construction, marine and political risk through wholesale and retail distribution in North America, Europe and Asia.
What we write
We lead on the lines the standard market declines, and sit excess on the lines it writes. We do not compete for primary general liability, primary property or guaranteed-cost workers' compensation.
Excess and large-deductible primary casualty for middle-market and large accounts.
Manufacturing, distribution, hospitality, real estate
ExcessFortune 1000 casualty towers
ExcessAccounts retaining USD 250K or more per occurrence
Large deductibleManagement and professional liability: D&O, EPL, fiduciary, E&O, crime.
US-listed companies
PrimaryPrivate equity backed, family owned, non-profit
PrimaryExcess of a public D&O tower
PrimaryConsultants, agencies, technology services
PrimaryMedical and allied healthcare professional liability and healthcare casualty.
Acute care systems, academic medical centres
PrimarySkilled nursing, assisted living
PrimarySite and contractors pollution liability, product recall and contamination.
Manufacturing, real estate, waste, energy
PrimaryFood and beverage, consumer products, auto components
PrimaryContractors excess casualty, wrap-ups and construction all risk.
Capital projects above USD 100M construction value
PrimaryMarine cargo, USL&H, political risk and aviation products, written internationally.
Cross-border operations and receivables
PrimaryCyber liability and technology E&O.
Treaty and facultative reinsurance assumed from cedents.
E&S commercial property: shared and layered, CAT-exposed and non-CAT.
Real estate, hospitality, healthcare campuses, distribution
primary_and_excessLarge real estate schedules, REITs, municipalities
primary_and_excessManufacturing, warehousing, retail, office
primary_and_excessConstruction, trade contractors, equipment lessors
PrimaryAppetite
Workers' compensation is written only within a large-deductible casualty programme, and never in North Dakota, Ohio, Washington or Wyoming, where cover is provided by monopolistic state funds.
Our companies
Which company issues a policy depends on the class, the jurisdiction and where the layer attaches.
| Company | Domicile | Basis | Rating | Writes |
|---|---|---|---|---|
| Vsure Specialty Insurance Company VSIC |
US-DE | Admitted | A | Admitted paper for the primary layers of large-deductible casualty programmes, and for specialty lines that require admitted status. |
| Vsure Excess & Surplus Lines Insurance Company VESLI |
US-DE | Non-admitted | A | Non-admitted business: medical and healthcare professional liability, environmental, product recall, habitational and other classes the admitted market declines. |
| Vsure Bermuda Ltd VBDA |
BM | Non-admitted | A | High excess casualty and D&O attaching above USD 25M, and large property excess layers. |
| Vsure Europe SA VEUR |
LU | Admitted | A- | EEA-domiciled risks, written from Luxembourg with freedom of services across the union. |
| Vsure Syndicate 2088 at Lloyd's VSYN |
GB | Non-admitted | A | Marine cargo, political risk, foreign package and other business requiring Lloyd's licences and international reach. |
About
Vsure is run end to end by software agents. Submissions are received, triaged and enriched automatically; underwriting agents price, refer and decline within defined authority; claims agents reserve and pay. Every decision is logged with its inputs, its reasoning and the records it relied on.
Underwriting intelligence is drawn from public filings — regulatory safety records, financial statements, corporate structure and news — and every finding cites the records behind it.