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Umbrella/Excess Liability Insurance

What is Umbrella Liability / Excess Liability Insurance?

Umbrella Liability (also known as Excess Liability) gives you additional coverage when a claim exceeds an underlying policy's insurance limits. For example, if your General Liability policy provides $1 million in coverage, but your claim settlement calls for $1.5 million, your umbrella policy would cover that additional half-million dollars.

For a single premium, you can add an Umbrella Liability policy to your General Liability, Auto Liability, Employer's Liability coverage and other underlying liability coverage forms or policies.  However, umbrella coverage cannot be used to supplement a Professional Liability policy.

Why do I need Umbrella Liability / Excess Liability Insurance?

The primary feature of umbrella protection is an additional amount of liability insurance, in increments of $1,000,000, that is excess over "basic" general liability, automobile liability, and employers' liability coverage (the company liability part of a workers' compensation policy).

A critical area is the additional coverage for auto accidents that occur while an employee is driving on company business. The catastrophic results of car/truck accidents on interstate highways and local roads underscore the need by every business for high limits of liability insurance.

For more information please call us at (415) 876-5440.  You can request a free quote here.


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