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National Catholic is pleased to announce the availability of its new Flexible Capacity Product (FCP). FCP is an alternative use of National Catholic’s liability insurance limits capacity attaching at $1,000,000 or over per occurrence/per claim. FCP availability and quotations will be available for new business and renewals with effective dates of May 15, 2020 and beyond.

The property and casualty insurance market is currently experiencing shortages of limits capacity and more restrictive terms and conditions. FCP is intended to provide National Catholic Shareholders with more capacity to fill gaps and provide better coverage where it may be needed.

FCP makes use of National Catholic’s existing reinsurance treaties to provide limits of coverage of up to $14,000,000 in total. FCP runs alongside National Catholic’s traditional Excess Layers Program (ELP) and is intended for use by Shareholders who do not currently make use of the full $14,000,000 excess of $1,000,000 capacity in the ELP. Only a total of $14,000,000 in limits per Shareholder, either by use of the ELP or FCP or both, is available.

National Catholic’s FCP Underwriting Guidelines suggest that only limits of $4,000,000 or $5,000,000 in any one layer will be available. Additional limits up to the $14,000,000 maximum are available but individual layers will need “ventilation:” that is, another layer from another carrier must be placed before additional limits from National Catholic can become available. Pro-rata participation on the same layer with other carriers is not available. The Underwriting Guidelines also suggest FCP limits will only be available up to a “ground up” limit of $30,000,000 within a Shareholder’s excess liability limits program. There is no Sexual Misconduct Liability coverage available in the limits within the FCP.

The better value for excess limits from National Catholic remains in the ELP. The ELP can provide up to $14,000,000 excess of $1,000,000 in continuous limits with coverage continuity, including Sexual Misconduct Liability coverage up to $4,000,000. (Note: National Catholic is currently limited in its ability to provide any new Sexual Misconduct Liability with prior acts coverage and reviews each submission on a case-by-case basis.) If a Shareholder does not currently utilize the entire $14,000,000 in the ELP, additional limits can be secured either in the ELP or FCP, with the ELP being the better value.

Additional information from Shareholders (or their brokers) will be needed to underwrite FCP, including underlying coverage details with limits structure, premiums, carrier names and effective dates that must be provided as part of the submission. Additional lead time may be needed in order to discuss the underlying coverage and/or underlying excess limits configurations.

FCP is National Catholic’s response to current casualty insurance market limitations. It is National Catholic’s nature to “run to the solution” and to provide broad and additional coverage, where possible, to solve Shareholder liability insurance issues during these uncertain times.


Dennis H. O'Hara, ARM                                         Joy Botensten
President & CEO                                                  Director of Underwriting
Direct: 630-598-3621                                           Direct: 630-598-3625

The National Catholic Risk Retention Group, Inc.
801 Warrenville Road - Suite 175
Lisle, IL 60532-4334