Alternative Risk Products & Coverage

We offer insurance and reinsurance solutions for the following lines of business: General Liability, Auto Liability and Physical Damage, Public Officials Liability, Law Enforcement Liability, Employment Practices Liability, Educator’s Legal Liability, Sexual Misconduct Liability and Miscellaneous Professional Liability.

The Euclid Public Sector Alternative Risk retained limit coverage forms are very flexible in their design. We developed a superior product that will stand up well in this competitive environment. EPSAR can separate the coverage forms as a stand-alone product or combine them into a portfolio. Some additional features include the availability of an aggregate corridor deductible.

We can schedule our retained limits product over an underlying policy form in the event one or more lines of business are fully insured (i.e. Auto Liability).

Additionally, we can offer assumed reinsurance. Flexibility with the reinsurance template is available when required by the client. EPSAR can also offer coverage to pooling clients in the form of a retained limits or excess insurance policy.

Customized Proprietary Public Sector Insurance and Reinsurance with A M Best Rated A XV Carrier

  • $10,000,000 Separate Coverage Towers or a Single Coverage Tower
  • Minimum $25,000 Self-insured Retention
  • Mono-line Coverage Offering for AL/APD, GL, LEL, POL/EPL, ELL/EPL
  • Choice of Qualified Defense Counsel
  • Annual Aggregate Deductible
  • Single and Multi-line Self-insured Retentions
  • Soft Hammer Clause

Reinsurance and Insurance for Pooling Risks, Including Educational
Reinsurance options include:

  • Excess of Loss
  • Quota Share Pools/Share Loss Above SIR
  • Risks Attaching During
  • Losses Occurring During

Coverage Features

  • Wrongful Discharge
  • Discrimination
  • Nurses
  • Paramedics/EMTs
  • Psychologists
  • Counseling
  • Limited Pollution Liability
  • Liquor Liability
  • Employed Architects, Lawyers, and Engineers
  • Third Party EPL Option
  • Public Crisis Event
  • Broad Form Named Insured Defined
  • Sexual Abuse Molestation
  • Sexual Harassment
  • Choice of Qualified Defense Counsel
  • Auto Physical
  • Public Transit
  • Housing Authorities
  • False Arrest
  • Zoning—Planning

Carrier / Security

Hudson Insurance Group is a market-leading specialty insurer that offers a wide range of property and casualty insurance products to corporations, professional firms and individuals through retailers, wholesalers and program administrators. Headquartered in New York City with offices throughout the U.S. and in Vancouver, Canada, Hudson underwrites specialty primary and excess insurance on an admitted basis through Hudson Insurance Company and on a non-admitted basis through Hudson Specialty Insurance Company and Hudson Excess Insurance Company.

Hudson has surplus lines eligibility in all U.S. jurisdictions and provides unparalleled expertise and exceptional service in each of the market segments they serve. Hudson’s talented team of professionals has extensive knowledge and experience that enables us to develop creative, tailored solutions to meet clients’ needs.

Collectively known as Hudson Insurance Group, its companies are rated A (Excellent) by A.M Best, Financial Size Category XV. Hudson Insurance Group is the U.S. Insurance Division of OdysseyRe, a leading worldwide underwriter of reinsurance and specialty insurance and is wholly-owned by Fairfax Financial Holdings Limited.