Umbrella & Excess, when the primary limit isn’t enough.
One large claim can blow through a primary policy and reach your balance sheet. Umbrella and excess layers sit on top of your auto, GL and employer’s liability, adding the high limits that contracts, lenders and lawsuits increasingly demand.
The pieces that make up the policy.
Excess liability
01
Additional limits stacked above your primary general liability and auto.
Follow-form coverage
02
Terms that mirror the underlying policy so there are no surprise gaps in the layer.
Contractual compliance
03
Limits built to satisfy the specific dollar requirements in your contracts and loan covenants.
Multi-layer towers
04
Several excess layers structured together to reach the very high limits some industries require.
Built for operators who can’t absorb the hit.
Fleets & transportation
Real estate & construction
Anyone with contract limit requirements
High-revenue operations
Not sure it applies to you? Send us your operation and we’ll tell you straight whether this line belongs in your program.
Where this line earns its keep.
01
A claim exceeds your primary limit
The umbrella picks up where the underlying policy stops, protecting assets beyond the first layer.
02
A contract demands $10M
We build an excess tower to the exact limit your shipper, lender or client requires.
03
A severe auto loss hits
High-limit excess responds to the catastrophic verdicts that have made commercial auto so expensive.
Lines that often sit alongside it.
Umbrella & Excess questions, answered.
Turn your risk into a plan.
Takes less than 8 minutes. We’ll follow up within one business day with options structured around how your business actually runs.
[ NO OBLIGATION ] · [ 48HR AVG. RESPONSE ]