Umbrella / Excess Liability

Protecting your assets

from catastrophic loss.

Both commercial umbrella or excess liability insurance will cover your business from catastrophic issues not covered by your other policies.

Umbrella and Excess Liability policies are designed to provide coverage above the limits of underlying coverage but there are differences.

The basic distinction between Umbrella and Excess Liability coverage is:

Umbrella policies provide additional limits over the underlying liability. It usually provides broader coverage than an Excess Liability policy.
Excess Liability policies also provide additional limits over the underlying liability but is more restrictive and does not provide coverage which is unavailable in the underlying policy.

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