This hat is not for the faint of heart, or the adequately underwritten. It’s for the liability nightmares, the contractual cowboys, the people who think a shock loss is a personality trait. If your lifestyle would trigger an automatic decline from every E&S carrier, congratulations. This is your crown.
Specs (since underwriting still loves a schedule):
Six-panel, low-profile construction: sleek, relaxed, and completely unrateable.
Soft cotton twill
Flat visor with four-row stitching — sharp enough to cut through loss ratios.
Unstructured crown: just like your business model.
Antique brass buckle: one of the only things on this hat not considered a material misrepresentation.
Embroidered with "Uninsurable" so there’s no confusion for underwriters, adjusters, or your in-laws.
Wear it proudly to your next renewal meeting. Or court date.
