Umbrella Insurance Insurance
Extended liability protection beyond your primary policy limits. When primary coverage is not enough, umbrella picks up where it leaves off.
Key Features
What umbrella insurance insurance covers.
Coverage Details
What's included.
Excess Liability
Additional limits above your primary general liability, auto liability, and employers liability policies.
Drop-Down Coverage
In some cases, umbrella coverage can drop down to cover claims excluded by underlying policies.
Broader Coverage
Umbrella policies may cover claims not covered by underlying policies, subject to a self-insured retention.
Defense Costs
Additional legal defense costs when underlying policy defense limits are exhausted.
Who Needs This
Is umbrella insurance insurance right for you?
Umbrella Insurance insurance is essential for businesses that want to protect against specific risks in their operations. Here's who typically needs this coverage:
FAQs
Common questions.
How much umbrella coverage do I need?
Coverage needs depend on your asset base, contracts, and risk profile. Most businesses start with $1-5M but higher limits are available.
What underlying coverage is required?
Carriers typically require minimum underlying limits for general liability, auto liability, and employers liability.
Can umbrella cover what my primary policy excludes?
Sometimes. Umbrella policies may cover claims excluded by underlying policies, but they have their own exclusions.