Umbrella / Excess
Umbrella and Excess Liability insurance provide additional layers of protection above underlying liability policies, such as Commercial General Liability, Auto Liability, and Employers’ Liability.
These coverages respond when primary policy limits are exhausted, helping to protect against large or catastrophic losses that exceed standard coverage thresholds. Umbrella policies may also broaden coverage in certain situations, while excess policies typically follow the terms of the underlying insurance.
As liability exposures grow and claim severity increases, umbrella and excess liability coverage play a critical role in protecting balance sheets, supporting contractual requirements, and ensuring sufficient limits are in place to respond to significant loss events.