By T.J. Yaglenski, Senior Underwriter · Demeter Specialty Risk LLC
Demeter Specialty Risk LLC provides supported excess general liability capacity on every contractor class that Underwriting Services Management Co (USMC) writes primary general liability for. Because supported excess is follow-form — it sits directly over the USMC primary and takes on the same terms — eligibility for the excess layer tracks USMC’s General Liability appetite, currently spanning 14 contractor classes.
How does class eligibility work for supported excess?
Supported excess doesn’t have a separate underwriting appetite to qualify against. Because Demeter’s excess layer follows the form of the USMC primary already on the account, any class USMC will write primary Commercial General Liability for is a class Demeter can offer supported excess capacity behind — at 5×1 ($5M over a 1M primary) or 3×2 ($3M over a 2M primary), with a class-dependent minimum premium starting at $25,000.
Contractor classes eligible for supported excess
The table below lists the contractor classes USMC currently writes primary GL for (with USMC’s primary minimum premium for context) — each is eligible for Demeter’s supported excess layer.
| Contractor class | USMC primary minimum premium |
| Structural Steel | $100,000 |
| Rebar Installation | $100,000 |
| Drywall & Interior Trade | $30,000 |
| Fire Suppression | $25,000 |
| Commercial Plumbing | $25,000 |
| Window, Door & Glass | $25,000 |
| HVAC | $20,000 |
| Non-Structural Ornamental Metal | $20,000 |
| Flooring Installers | $20,000 |
| Debris Removal | $20,000 |
| Janitorial | $15,000 |
| Waste Haulers & Roll-Off | $10,000 |
| Truckers & Movers | $10,000 |
| Consultants | $10,000 (or $20,000 for site-safety consulting) |
What if a class isn’t listed here?
USMC and Demeter continue to add and refine general liability classes. A class not listed above may still be eligible, or eligibility may change — brokers should confirm current appetite with their USMC or Demeter underwriter contact before assuming a class is excluded.
Frequently asked questions
Does every USMC GL class qualify for Demeter’s supported excess?
Yes — because supported excess follows the form of the USMC primary, any class that USMC writes primary general liability for is eligible for Demeter’s supported excess capacity.
What is the minimum premium for the supported excess layer itself?
Class-dependent, starting at $25,000 for the excess layer — separate from the USMC primary GL minimum premium shown above for each class.
Who do brokers contact to confirm eligibility for a specific class?
T.J. Yaglenski (tj@usmcins.com, 215-392-0751) or Andrew Dolan (andrew@usmcins.com, 215-647-9600).
Read more on what supported excess is and how it works, or who Demeter Specialty Risk is. Primary GL for these classes is placed through USMC’s Commercial General Liability program.