Commercial Umbrella Liability/Excess covers high-dollar liability claims, such as those from an unsatisfied customer. Your security is threatened when the underlying coverage limits provided by Auto Liability, General Liability, Employers Liability and other primary liability policies is exhausted. Only a small number of claims ever reach the Excess/Umbrella layer of protection. But the importance of Commercial Umbrella Liability/Excess as a safety net cannot be overemphasized.
Our insurance professionals can provide you with Umbrella Liability/ Excess coverage that is compatible with your primary liability program and its carrier. Since there is no standard coverage form used throughout the insurance industry, our staff receives special training in this complex, but critically important form of coverage.
Your basic insurance policies are essential for your business’s survival. They offer your company a blanket of security against the many risks and dangers that can irrevocably damage your business. However, these policies will only protect you to the extent of their coverage. That is when an Umbrella Liability/Excess policy can be a lifesaver for your business.