When a catastrophic claim exhausts the limits on your general liability, auto, or employers liability policy, umbrella and excess liability coverage steps in to cover the difference — protecting your business assets from life-changing verdicts.
Umbrella and excess liability policies sit on top of your underlying liability coverages. When a covered claim exceeds the limits of your general liability, commercial auto, or employers liability policy, this coverage pays the additional amount up to the umbrella limit.
Extended Limits
Provides additional limits — commonly $1M to $10M or more — that pay after your primary policy limits are exhausted.
General Liability Extension
Covers bodily injury, property damage, and personal/advertising injury claims that exceed your GL policy limits.
Auto Liability Extension
Pays above your commercial auto liability limits for at-fault accidents involving serious injury or property damage.
Employers Liability Extension
Adds protection above the employers liability portion of your workers' compensation policy.
Broader Coverage (Umbrella)
A true umbrella policy may also cover certain claims not included in your underlying policies, subject to a self-insured retention.
Worldwide Coverage
Many umbrella policies follow you beyond U.S. borders for covered liability claims arising from your business operations.
Any business with significant assets, high public exposure, or contracts requiring higher limits should consider umbrella or excess liability coverage. It is one of the most cost-effective ways to increase your total protection.