- Have high public exposure or significant foot traffic
- Operate vehicles or fleets
- Work on large contracts requiring higher limits
- Own multiple properties or locations
- Have complex operations or higher liability risk profiles
- Require certificates of insurance with elevated limits
Broader Protection for High-Severity Risks
Standard liability limits often aren’t enough to fully protect businesses from large, unexpected claims. Our Excess and Umbrella Liability solutions provide the critical extra layer of coverage your clients need so they can operate with confidence, even in high-exposure industries.
What Is Excess & Umbrella Liability Coverage?
Excess Liability Insurance increases the limits of your client’s existing liability policies (such as General Liability, Auto Liability, or Employers Liability), offering higher total protection against catastrophic losses.
Umbrella Liability Insurance not only extends limits but may also broaden coverage by responding to claims not covered by underlying policies, depending on the contract language.
Both coverages are designed to protect businesses from large losses that could exceed primary policy limits.
Who Needs Excess or Umbrella Coverage?
Excess and Umbrella policies are essential for businesses that:- Construction and contracting
- Manufacturing and wholesale
- Transportation and logistics
- Hospitality and real estate
- Retail and distribution
- Healthcare and professional services
Key Features and Benefits
- High Limit Capacity
Flexible limits available—often up to $10M or higher depending on risk class and underlying coverage. - Broad Appetite
From Main Street businesses to complex or hard-to-place risks. - Underlying Policy Compatibility
Works with General Liability, Commercial Auto, Employers Liability, and more. - Follow Form Coverage
Adopts terms and conditions of the underlying policy where applicable, simplifying claims handling. - Contract Compliance
Helps meet client, vendor, or regulatory requirements for higher liability limits.
Give Your Clients the Protection They Deserve
When standard limits aren't enough, Excess and Umbrella Liability can help safeguard your client’s assets, operations, and reputation. Let us help you structure the right protection for their evolving exposures.
Contact us today to learn more or to submit a risk.
Exclusive PEO Access
We provide our agency partners with exclusive access to a preferred PEO solution, ideal for clients with high mods, coverage gaps, or non-traditional employee structures. It's the perfect option for staffing firms, contractors, and businesses that need alternative markets.