Umbrella & Excess Liability Insurance
Additional liability limits that can sit above qualifying underlying business policies.
Commercial Insurance
Coverage That Matches the Exposure
A serious liability claim can exceed the limits of a primary policy. Commercial umbrella or excess liability coverage can provide an additional layer of protection above certain underlying liability policies.
What This Coverage Can Help Address
- Additional liability limits
- Protection above qualifying underlying policies
- Higher-limit support for significant claims
- Contract-driven liability limit needs
- Coverage structures tailored to underlying policies
Who Should Consider It
Is This Relevant to Your Business?
Businesses with significant public exposure, vehicles, contracts requiring higher limits, valuable assets, or operations where a severe claim could exceed primary limits.
Common Questions
Umbrella & Excess Liability Insurance FAQs
What policies can a commercial umbrella sit over?
Depending on the policy, umbrella or excess coverage may sit over general liability, commercial auto, and employer liability components of workers’ compensation.
Is umbrella insurance the same as excess liability?
The terms are sometimes used interchangeably, but policy structures can differ. The underlying policies and actual contract language determine how coverage applies.
How much umbrella coverage should a business carry?
The appropriate limit depends on contractual requirements, business assets, operational exposures, vehicle use, and the severity of potential claims.