Commercial Excess Liability Insurance

When Extra Coverage Is Prudent

Umbrella Liability (AKA Excess Liability) provides additional coverage when the limits of insurance on an underlying policy are exceeded. For instance, if you have $1,000,000 coverage under General Liability and you have a claim settlement for $1,500,000, the umbrella policy would pick up the additional amount.

To be eligible for excess liability coverage, most insurers require the insured carry a certain amount of basic liability protection. Commercial Excess Liability then fills the gaps of their primary automobile, general liability and workers compensation policies. It provides additional liability limits to the other coverage owned, which is important when the underlying policy is exhausted or reduced by loss.

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