Layered casualty towers for New York's hardest placements
StrataCover Network places high-hazard commercial casualty programs across New York: primary liability, layered excess and umbrella towers to $100M+, and specialty lines for risks that admitted markets will not write.
NYC commercial construction, commercial real estate and habitational portfolios, high ex-mod workers' compensation, coastal property, and layered excess casualty towers. These are classes where severity, statutory liability, or loss history has pushed the risk out of the standard market.
Building a $50M–$100M+ tower is an architecture problem, not a procurement exercise. Attachment points must align cleanly between layers, lead-layer pricing must reflect true breach frequency, and follow capacity must be distributed across carriers whose appetite matches each layer's risk profile.
Submissions move through digital intake with completeness scoring, automated statutory compliance, market routing by class and appetite, and single-session binding with integrated premium finance. Retail brokers get institutional execution without losing the client relationship.
Led by Michael H. Jenkins, Founder & Managing Director — licensed NY Property & Casualty and Excess Line broker.
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