Excess liability or an umbrella policy add another layer of protection to policies you may currently have including employer’s liability, general liability and auto liability policies.
Businesses often overlook the need to buy extra or excess liability insurance limits, but these prudent coverage purchases are an essential safeguard, protecting against asset depletion from unforseen risks.
Two Forms Available:
Why Excess Insurance
Provides the ever-important increased limit protection.
Pays for defense costs in addition to or outside policy limits.
Minimizes coverage gaps by adopting coverage terms and conditions of the primary policies.