Built around the exposure
Coverage is only useful when it fits the way you operate.
Umbrella and excess liability coverage can add capacity above scheduled underlying policies when a severe claim exceeds primary limits.
Discuss this coverageWho typically needs it
- Businesses with significant liability exposures
- Companies with contractual limit requirements
- Fleets and multi-location operations
What it can address
- Limits above general liability
- Limits above commercial auto
- Limits above employer liability
- Certain broader umbrella exposures
Important considerations
- Underlying policy requirements
- Coverage follow-form provisions
- Attachment points
- Contractual limits
Common questions
A clearer starting point.
Is commercial umbrella / excess required?+
Requirements vary by state, contract, industry, and the way your business operates. We can help you identify the requirements that may apply before approaching insurance markets.
How are limits and pricing determined?+
Insurers consider factors such as operations, size, location, loss history, controls, requested limits, and policy structure. A complete submission helps underwriters evaluate the account accurately.
Can this coordinate with our other policies?+
Often, yes. Reviewing the full insurance program can identify overlaps, gaps, inconsistent dates, or underlying-limit requirements that should be addressed together.
Coverage availability, terms, conditions, exclusions, and pricing vary by insurer and underwriting. This information is general and is not a representation of coverage under any specific policy.