Commercial Insurance
Umbrella & excess liability for the claims that run large
One serious lawsuit can exceed your primary limits. As your risk advisor, we size umbrella and excess liability to your balance sheet and your contracts — stacking protection above your other policies and meeting the limits your leases, jobs, and counterparties demand.
What is umbrella and excess liability insurance?
Umbrella and excess liability insurance provide additional limits above your underlying policies — typically general liability, commercial auto, and employers liability under workers’ compensation. When a covered claim exceeds the limit on the primary policy, the umbrella responds for the difference, up to its own limit.
For many businesses the question is not whether a large claim is possible, but whether your limits could absorb it. Umbrella coverage is one of the most cost-effective ways to add meaningful protection.
Why businesses carry umbrella coverage
Contracts, leases, and project owners frequently require umbrella limits — sometimes $1M, $5M, or more — before you can sign. Beyond compliance, a single auto accident, injury, or lawsuit can produce a judgment far larger than a standard primary limit, putting business assets at risk.
We review your underlying limits, contract requirements, and exposure to right-size the umbrella so it actually sits where you need it.
Umbrella & excess FAQs
What is the difference between umbrella and excess liability?
Both add limits above your primary policies. An umbrella can be broader and may apply across several underlying policies, while excess liability generally follows the terms of a single underlying policy. We help you choose the structure that fits your program and contracts.
How much umbrella coverage do I need?
It depends on your assets, exposure, and contract requirements. Many businesses start at $1M and scale up based on fleet size, revenue, and the limits clients or projects demand. A risk review sizes it correctly.
Does umbrella coverage replace my other policies?
No. Umbrella sits on top of your underlying general liability, auto, and employers liability — it requires those policies to be in place and adds limits above them. It does not cover gaps the primary policies exclude.
Umbrella built tough. Covered right.
Make sure a single large claim cannot take down the business. Request an umbrella review today.