Commercial Umbrella & Excess Liability
Commercial Umbrella Insurance provides an extra layer of liability protection above the limits of your underlying General Liability, Commercial Auto, and Employer's Liability policies, safeguarding your business from catastrophic claim costs.
Key Coverage Elements
- ✓Extended Liability Limits: Adds $1 million or more in policy limits above underlying liability insurance policies.
- ✓Broader Coverage Scope: Helps bridge potential gaps in primary liability coverage depending on policy terms.
- ✓Contractual Requirement Compliance: Satisfies high limit liability clauses requested by major enterprise clients or project owners.
- ✓Defense Cost Extension: Continues legal defense support once underlying policy limits have been exhausted.
Who May Need This Coverage
Businesses with significant asset exposure, high foot traffic, large vehicle fleets, or contracts requiring high liability limits.
Important Policy Considerations
Requires maintaining underlying primary policies with specified minimum liability threshold limits.
Frequently Asked Questions
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