Excess Liability Coverage
Extra limits stacked above the policies you already carry.
Not sure if this is the right fit? We'll review your operation and quote it — no obligation.
Also called umbrella coverage, excess liability sits on top of your general liability, auto, and employers liability policies and takes over when a claim exhausts them. It is usually the least expensive way to add meaningful limit, and it's often the fastest way to satisfy a demanding contract.
What it covers
- Additional limits above general liability
- Additional limits above commercial auto
- Additional limits above employers liability
- Defense costs above the underlying policy, depending on form
Who it's for
Contractors, trucking operations, ag businesses, and any company whose contracts require limits higher than a primary policy provides.
Good questions to ask us
- “What limit do my largest contracts require?”
- “Which underlying policies are scheduled?”
- “How much does the next $1 million of limit actually cost?”
Businesses like yours also carry
Professional Liability
Also called errors and omissions coverage.
Cyber Liability
For ransomware, wire fraud, and the breach notice that follows.
General Liability Insurance
The foundation of nearly every commercial insurance program.
Employment Practices Liability
Defense for claims that come from inside the business.
Tell us a little about your operation and we'll come back with options — no obligation.
Get a Quote Online!
TALK TO AN AGENT
Or call for immediate assistance.
831-540-4583