Umbrella and Excess Liability Insurance

Extend Your Safety Net With An Umbrella Policy

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What is Umbrella or Excess Liability Insurance?

Commercial Umbrella or Excess Liability Insurance provides businesses with additional liability coverage to help protect against costs that exceed existing insurance policy limits. If the cost of a claim exceeds the limits of a business’s primary insurance policy, Commercial Umbrella Insurance extends liability coverage and provides an additional layer of protection.

Who Needs Umbrella or Excess Liability Insurance?

For businesses that wish to provide additional protection from lawsuits or could have significant exposures to claims, an Umbrella or Excess Liability Policy would provide this added protection. As an alternative to increasing existing limits on policies, an Umbrella or Excess Liability Insurance Policy might be a more cost-effective solution for getting adequate coverage.

Umbrella or Excess Liability Insurance policies would also be appropriate if a business works with high net-worth customers. Additionally since traffic costs can be very costly, if a business employs large numbers of drivers or rents vehicles, the added protection of an Umbrella or Excess Liability policy would help prevent business owners from paying out of pocket for legal fees, medical costs, and damage expenses that exceed the limits of their underlying primary business coverages.

Umbrella / Excess Liability Insurance Helps Provide:

  • Extended limits and protection for several existing policies

  • Additional protection when dealing with high net-worth customers or clients

  • Help cover high cost vehicle claims or accidents

Difference Between Umbrella and Excess Liability Insurance

An Umbrella Liability Insurance policy helps extend limits of:

  • General Liability policy
  • Commercial Auto / Hired or Non-Owned Auto Insurance
  • Employers’ Liability Insurance policies.

This single premium can be applied to all three of these policies in the event that a claim exceeds the limits. Umbrella Liability can also provide broader coverage than the underlying policies. An Umbrella policy should be considered a supplement to the primary policy and sometimes provides additional coverage that might be excluded from the underlying policies.

Excess Liability Insurance policy is also applied to an underlying policy when its limits are reached however an Excess Liaibility Insurance Policy can only be applied to a single primarry policy and does not offer any broader protection.

If a business could be exposed in a variety of ways, an Umbrella Liability Insurance might be more appropriate than an Excess Liability Insurance Policy. A business with a high risk in one particular area may prefer Excess Liability coverage.

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Some Additional Business Insurance Coverages


Commercial Auto

Protects your business vehicles similar to your own personal auto insurance policy.



Guarantees a principal’s integrity, honesty, performance and financial responsibility.


Commercial Property

Protect your building, equipment, inventory from fire or other disasters


Professional Liability

Protect experts who might face unique or unusual lawsuits as a result.


Commercial Liability

Covers against financial loss if claims of injury or damage.


By Industry

Recommended insurance coverage based on your specific industry


Workers Compensation

Protects employees if they sustain an injury or become ill while on the job

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The content of this site is descriptive only. The precise coverage offered is subject to the terms and conditions of the policies issued. Coverage may not be available in all jurisdictions or applicable in all situations.