Commercial Lines


Commercial Lines — Property

Sompo America provides a full array of coverage forms and pricing techniques including:

  • ISO
  • COP (Commercial Output Policy)
  • HPR (Highly Protected Risks)
  • Boiler & Machinery
  • Inland Marine

We can meet the needs of main street businesses up to the largest of industrial risks. We also participate on Excess and Quota-Share insurance programs and have significant property capacity available to us.

For further information on our Property capabilities, please contact Marvin Sobodash, Property Underwriting Manager at (704) 759-2557
or via email at

Commercial Lines — Liability

General Liability

Sompo America provides General Liability coverage on an occurrence basis for Premise Operations and Products/Completed Operations exposures. Depending on the needs and sophistication of the risk, these can be provided on a guaranteed cost or a deductible/self insured retention basis.

  • Bodily Injury and Property Damage
  • Medical Payments
  • Personal and Advertising Liability
  • Based on the individual risks’ needs we may also provide coverage for:
    • Employee Benefits Liability
    • Stop Gap Liability
    • Liquor Liability

Automobile Liability

Sompo America provides Liability Coverage as well as physical damage with numerous limit and deductible options available. Automobile coverages can also be written on a guaranteed cost or loss sensitive basis (deductible or SIR) and, depending on the insured, can be rated on a composite basis.

Umbrella and Excess Liability

Sompo America provides Umbrella coverage over our Insured’s underlying:

  • General Liability policies
  • Automobile policies
  • Employers Liability policies

We may also offer excess coverage which meet our underwriting criteria provided the underlying carriers have an A. M. Best rating of “A-” or better.

Commercial Lines — Workers Compensation

Sompo America provides a full complement of products from guaranteed cost to loss sensitive plans utilizing large deductibles or self insured retentions. We are also able to provide Employers Liability in monopolistic states.

For further information on our Casualty and Workers Compensation capabilities, please contact Rich Case, Chief Underwriting Officer at (704) 759-2134 or via email at

Commercial Lines — International

Through the combination of the Sompo America network and that of an affiliated international insurer we are able to provide commercial coverages in over 130 countries.

Utilizing our SAIC Global product we can provide Difference in Limits (DIL) and Difference in Conditions (DIC) policies for property, liability and International Workers Compensation coverage and to make local placements throughout the network.

Although primarily designed for clients operating as exporters, we can also provide international coverages for those with physical locations or operations in our network countries.


Copyright for Sompo America 2014