Supplement Your Insurance With An Excess Umbrella Policy

Excess umbrella

Excess umbrella With increasing legal costs and significant liability claims, businesses these days need strong liability protection.  Excess umbrella insurance policies assist in protecting businesses by offering higher limits and more extensive coverage when primary insurance policies have been expended.  Catastrophic losses can occur at any time.  Being prepared and protected can be essential in maintaining a successful business.


Industries Covered


Excess liability programs are designed for a range of classes and industries that may include:


  • Commercial Contractors
  • Hospitality
  • Real Estate
  • Manufacturing
  • Restaurants
  • Schools
  • Retail Establishments
  • Municipalities


Protect Your Assets


Legal action against your business may exceed the coverage of your standard policy, causing you to sell off assets or dip into your bank accountExcess umbrella coverage prevents you from having to deplete your business resources by insuring for any damages above your standard policy.


Equipment or real estate owned and used by a business is typically a large contributor to a company’s assets.   When there is damage to equipment that results in the need for costly repairs or replacement of equipment, excess insurance coverage can be helpful in supplementing your primary liability policy and getting your business back on track.


Different businesses have unique and complex exposures for both small and large operations.  Understanding your risk and preparing for it with excess umbrella coverage is a vital step in protecting the viability of your business against the potential of a devastating financial loss.

Leave a Reply