Recent entrants into the umbrella liability insurance market have two common strategies in their business plans–they're steering clear of the most competitive middle-market segments, and are distinguishing their firms through service and expertise.
While announcements released early this year fueled reports that the newest entrants are trying to take 
advantage of perceived market disruptions in the most capital-intensive high-excess casualty segments, representatives of two firms–Ironshore and Torus–described much broader appetites to National Underwriter recently.
In addition to targeting the world's largest insureds from Bermuda with catastrophe-excess coverage, they have each recently set up separate U.S. units vying for very different levels of casualty towers than their Bermuda brethren.
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