Umbrella / Excess Liability Insurance

Umbrella insurance provides additional liability coverage beyond your primary policies. Protects against catastrophic claims.

When your other policies aren't enough.

Umbrella and excess liability insurance provide additional coverage above the limits of your underlying policies — general liability, commercial auto, and employer's liability. While excess policies strictly follow the terms of your underlying coverage, umbrella policies can also provide broader protection, sometimes covering claims that fall outside your primary policies. When a claim exceeds your primary policy's limits, this additional layer kicks in to cover the difference.

What Umbrella / Excess Liability Insurance Covers

Excess Liability Limits

Your umbrella or excess policy provides additional coverage — typically $1 million to $10 million or more — above your underlying policy limits.

Broader Coverage

Some umbrella policies provide broader coverage than underlying policies, potentially filling gaps that would otherwise leave you exposed. The scope of this broader coverage varies by policy.

Multi-Policy Protection

Your umbrella policy sits above all underlying policies, providing a single additional layer of protection regardless of which primary policy is triggered.

Who Needs This Coverage?

Any business with significant assets to protect, high-risk operations, or contractual requirements for higher liability limits. The cost is relatively low for the amount of additional protection.

What Happens Without It

A serious accident at your construction site injures multiple workers. Total claims reach $3.5 million, but your general liability policy has a $1 million limit. You're personally responsible for the $2.5 million gap. An umbrella policy with a $5 million limit would have covered the entire excess — often for just a few thousand dollars per year in premium.

Real-World Example

A delivery driver causes a multi-vehicle accident with severe injuries. The total judgment is $2.8 million, but the company's commercial auto policy has a $1 million limit. The company's $5 million umbrella policy covers the remaining $1.8 million, protecting the business owner's personal assets and keeping the company solvent.

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]