Do You Know What Umbrella & Excess Liability Coverage Is?

Commercial umbrella or excess liability policies provide businesses with additional layers of liability insurance to help protect against larger claims. This type of policy goes over, or is added on top of, the limits you purchased in your underlying policies, such as your general liability, business auto or workers compensation.

Umbrella or excess liability policies are more important today than ever before because the costs of a legal defense continue to rise dramatically, people file frivolous and baseless lawsuits that still require defense costs, courts award high amounts of damages and record setting judgements. Appeals are long and costly and overall, our society is more litigious in nature.

For Example:

Umbrella Liability

The cost to carry slightly higher liability limits is often negligible when placing that coverage on an umbrella or excess liability policy.


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