Extended liability protection beyond your primary policy limits. When primary coverage is not enough, umbrella picks up where it leaves off.
Key Features
Coverage Details
Additional limits above your primary general liability, auto liability, and employers liability policies.
In some cases, umbrella coverage can drop down to cover claims excluded by underlying policies.
Umbrella policies may cover claims not covered by underlying policies, subject to a self-insured retention.
Additional legal defense costs when underlying policy defense limits are exhausted.
Who Needs This
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
Coverage needs depend on your asset base, contracts, and risk profile. Most businesses start with $1-5M but higher limits are available.
Carriers typically require minimum underlying limits for general liability, auto liability, and employers liability.
Sometimes. Umbrella policies may cover claims excluded by underlying policies, but they have their own exclusions.
Industries We Serve
Insights
Whether you sell from a storefront, a website or both, here is how to protect inventory, shipments, customers and your online operations.
Technology errors and omissions and cyber insurance protect against different failures. For SaaS companies, gaps between them are where claims fall through.
General liability and professional liability cover very different risks. Here is how to tell which you need, and why many businesses need both.
