Excess Liability
Additional limits stacked above your primary policies.
Apply for Excess LiabilityAbout 8 minutes
Also sold as an Umbrella, Excess Liability sits on top of your General Liability, Commercial Auto, and Employer's Liability limits and takes over when a claim exhausts them. It is usually the cheapest limit you will ever buy, and increasingly it is what contracts demand before you can start work.
What it covers
- Claims that exceed the limits of the underlying policies it schedules
- Judgments and settlements above your primary General Liability limit
- Severe auto losses that run past the commercial auto limit
- Defense costs once the primary policy limit is spent
What it does not cover
Stated plainly, because finding out at claim time is how people end up suing their broker.
- Anything the underlying policy excludes — an umbrella follows its form
- Lines it does not schedule; Workers' Compensation is never covered
- Professional liability, unless specifically endorsed