Connecticut Commercial Umbrella Insurance: Excess Liability Policy

Your standard business insurance provides protection for most of the situations you’ll encounter. But if something big happens—something really big—the limits in a standard insurance policy may not be enough. You need an excess liability policy. Unanticipated catastrophic events happen every day. And, let’s face it, no business is immune to catastrophic loss. And if something really bad happens that affects your business, will you be able to recover? Will you be able to cover the costs? Will you be able to continue operating? Or will it spell the end to your part of The American Dream?

Excess Liability Policy For Connecticut Businesses

In Connecticut, if you have an excess liability policy or an umbrella policy, your chances of weathering the storm—or accident or lawsuit—are much better. Excess liability insurance can extend the limits of a single underlying general liability, auto liability, employers’ liability or liquor liability policy. It doesn’t offer any broader protections, but it will provide extra protection.


Connecticut umbrella policies are similar, but they can offer more coverage than their liability policies offer. Perhaps you need a certain amount of liability coverage to fulfill contractual obligations. Or maybe you simply want some extra peace of mind. It’s a supplement to your primary insurance policy that can drop down and fill gaps that might exist.

The Right Protection From An Excess Liability Policy

Getting the right protection—and the right amount of protection—is easy. The insurance professionals at Paradiso Insurance are quite familiar with these added protections and we work with a number of great insurance companies that offer these umbrella policies.

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We also understand the local economic and legal environments, and are able to use that knowledge to help craft the right policy for your business.


We take the time to understand your industry and its nuances. We look at what exposures are common in companies like yours, and we work with you to uncover your firm’s specific risks. Depending on whether your industry is prone to claims in a number of categories or has a high risk in one particular area, we’ll recommend the option that’s best for you. Our goal is to get coverage in place that provides the additional security you and your company need at a price that makes sense for you.

Securing Your Future With An Excess Liability Policy

With an umbrella policy or an excess D&O Liability Insurance policy, you won’t have to worry about the future of your business. You won’t have to stay awake at night, wondering if an accident or mistake could lead to a devastating financial loss. Instead, you can do what you do best. You can focus on making sure that your employees are doing the right things, that your customers are satisfied, and that your company is growing.


Don’t spend any more sleepless nights worrying about whether a catastrophic occurrence will take down your business. Your assets are on the line. So is your reputation. Take the important first step of getting in touch with us. Stop by our Main Street office, give us a call or fill out the free, no-obligation form and we’ll get the process started to make sure you have the protection you need.

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