Excess Liability & Umbrella Coverage That Adds a Critical Layer of Protection

When a lawsuit or claim exceeds your base policy limits, excess liability or umbrella coverage helps protect your business from devastating financial loss. It’s affordable, flexible, and often essential.

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Coverage That Extends Beyond the Basics

Your general liability, auto, or employer policies can only go so far. We help you extend your coverage to better protect your business assets, leadership, and future.

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Extended Coverage Limits

Provides extra financial protection after your primary policy limits are reached.

  • Covers the same types of risks as your underlying liability policies
  • Helps protect your business from catastrophic loss
  • Ideal for growing businesses or those with increased public exposure
  • Often required in vendor, lease, or client contracts
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Broad Liability Protection

Covers multiple types of liability across policies.

  • Works with general liability, commercial auto, and employer liability
  • Offers consistent protection across business activities
  • Reduces the risk of gaps in your insurance
  • Helps protect your reputation and continuity
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Scalable Options for Growing Businesses

Customize limits and terms based on your industry and risk profile.

  • Add coverage in $1M increments based on need
  • Optional enhancements for professional services, real estate, and hospitality
  • Fits into larger risk management strategies
  • Recommended for high-traffic or high-liability industries
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Common Questions About Excess Liability

  • Is umbrella insurance the same as excess liability?

    They’re similar, but umbrella can sometimes offer broader protection across policy types, while excess strictly extends existing policies.

  • Do I need this if I already have general liability?

    Possibly—if your base coverage isn’t enough to protect your assets from a serious claim.

  • Is this expensive to add?

    It’s often one of the most cost-effective ways to increase coverage. We’ll show you options that fit your budget.

  • Can I get this as part of a bundle?

    Yes—umbrella and excess liability are often added to custom commercial packages.

Let’s Build Your Coverage Together

Add a Safety Net That Helps Your Business Thrive Through Uncertainty