Excess liability above your primary policies for higher limits when you need them.
Umbrella (excess liability) insurance provides additional liability limits above your underlying policies—such as general liability, auto, or employers liability. When a claim exceeds those underlying limits, the umbrella can respond, subject to its terms and attachment point.
Businesses with higher liability exposures, more assets to protect, or contract requirements for higher limits. Real estate investors, contractors, and companies with significant auto or premises exposure often consider umbrella.
Large liability claims that exceed your primary policy limits. Umbrella typically follows the form of underlying policies and can provide broader coverage in some cases. It does not replace primary coverage; it sits on top of it.
Contractors, real estate investors, trucking, and any business that wants higher liability limits than their primary policies provide.
What is an attachment point? — The amount of loss that must be paid by underlying policies before the umbrella responds.
Do I need underlying limits first? — Yes. Umbrella requires underlying policies to be in place with minimum limits as stated in the umbrella policy.
Contractor insurance tailored to your trade.
