An umbrella policy or an excess policy provide an additional layer of protection. It provides excess limits over automobile liability, general liability, employers liability and some other coverages. Since it’s a stand-alone policy, it may include additional coverage not provided in the underlying exposures.
Unlike other standard coverages, umbrella or excess liability policies are unique by company. This means each insurance company has its own form and coverage may vary.
Our expert commercial staff will be able to guide you to choose an umbrella coverage form to fit the needs of your company.