An Advisors' Guide to Excess & Surplus Disability Insurance

Exceptional Risk Advisors

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Exceptional Risk Advisors is a Lloyd's of London Coverholder where we develop, distribute and underwrite specialized insurance products for the sports, entertainment and corporate world. Our mission is clear and simple: to be leaders and innovators in specialty insurance and to foster lasting relationships with strategic partners.
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Recent Posts

The GSI Opportunity Hiding in Your Client's Benefits Plan

Posted Wed, Nov, 11th, 2026
By Exceptional Risk Advisors
Skyscrapers looking up

A company may offer a strong long-term disability (LTD) benefit and still leave its highest-paid employees significantly underinsured. 

Group LTD coverage is typically built around an income

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The Largest Asset on Your Client's Balance Sheet May Not Appear on the Balance Sheet at All

Posted Wed, Oct, 14th, 2026
By Exceptional Risk Advisors
Personal Income Protection Strategies

Most affluent clients can tell you exactly what their investment portfolio is worth. They know the value of their business, real estate holdings, and retirement accounts. But ask them to estimate the

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Life Insurance Awareness Month: Two Specialty Solutions Every Advisor Should Know

Posted Wed, Sep, 16th, 2026
By Exceptional Risk Advisors
Specialty Life Solutions from Excess and Surplus Lines Market

September is Life Insurance Awareness Month (LIAM), a reminder of the important role life insurance plays in protecting families, businesses, and financial legacies. While traditional life insurance

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Exceptional Risk Advisors, LLC is a licensed insurance producer - CA Licensee Number 0F60601. All products are offered pursuant to the excess and surplus lines laws of each individual state and must be placed through a properly licensed excess or surplus lines broker. These products are not available to the general public, and this website is intended for licensed insurance broker use only. Nothing in this communication constitutes an offer, inducement or contract of insurance. Financial strength and size ratings can change and should be reevaluated before coverage is bound and periodically thereafter. Not all products are available in all U.S. jurisdictions.
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