Extra Coverage for When the Unexpected Hits Hard

Umbrella & excess liability insurance that extends your protection when standard limits run out.

Mallory Agency helps shield your business or family from catastrophic claims that go beyond your base policies.

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Coverage You Can Rely On

Lawsuits, severe accidents, and unexpected losses can result in damages that exceed your general liability, auto, or employer’s liability limits. Umbrella and excess liability policies provide an extra layer of financial protection—keeping your assets, operations, and future plans intact. We help businesses and individuals evaluate their risk exposure and secure the right coverage buffer.

What’s the Difference Between

Excess & Umbrella Coverage?

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Excess Liability

Adds higher limits to a specific underlying policy (e.g., general liability).

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Umbrella Insurance

Offers broader protection that can apply across multiple policies and fill in coverage gaps.

Both are critical in today’s high-risk, high-claim environment.

Who Needs This Type of Coverage?

If you’re worried about large claims, lawsuits, or public exposure, these policies are worth considering. We often recommend them for:

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Business owners with general liability, auto, and workers’ comp coverage
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Professionals with high personal or business net worth
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Commercial fleets and real estate holdings
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Families with teen drivers, pools, or rental properties

What Sets Mallory Apart

Smart Coverage Layering

We help coordinate your base and excess policies so they work together seamlessly.

Commercial & Personal Options

We offer umbrella policies for both businesses and individuals—with the flexibility to match your profile.

Flexible Limit Structures

Whether you need $1M or $25M in coverage, we help structure the right protection.

Strategic Risk Guidance

We evaluate your overall exposure and recommend adjustments across all your lines.

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Common Questions About Excess & Umbrella Insurance

  • Is this required for my business?

    Not by law—but often required by contracts, lenders, or vendors.

  • Does umbrella insurance cover professional mistakes?

    No. For that, you’ll need a separate professional liability policy.

  • Can I bundle umbrella with other commercial lines?

    Yes—and it often leads to better pricing and fewer gaps.

  • Will it cover legal fees?

    Yes—umbrella and excess liability typically include legal defense costs.

Let’s Strengthen Your Safety Net

Don’t let a single claim put everything at risk. Let’s build a plan that extends your protection with confidence.