Umbrella & Excess
Umbrella & Excess Insurance provides additional liability coverage beyond the limits of your standard insurance policies, such as general liability, auto, and homeowners insurance. It helps protect your assets and finances in case of large claims or lawsuits.
What’s the Difference?
Umbrella Insurance:
- Adds extra liability coverage over multiple policies (e.g., auto, business, homeowners)
- Covers legal fees, settlements, and damages exceeding standard policy limits
- May cover some claims not included in underlying policies, like libel or slander
Excess Liability Insurance:
- Provides higher limits for a single policy (e.g., general liability)
- Only kicks in after your primary policy reaches its limit
- Does not expand coverage to new claim types
What Does It Cover?
- Bodily injury claims (e.g., injuries on your property or business premises)
- Property damage liability (e.g., accidents caused by your vehicle or employees)
- Legal defense costs (e.g., lawsuits, settlements, and attorney fees)
- Personal liability protection (e.g., defamation, wrongful eviction)
Who Needs Umbrella & Excess Insurance?
- Business owners wanting extra liability protection
- High-net-worth individuals with significant assets to protect
- Landlords & property owners with multiple rental properties
- Professionals & contractors who face potential lawsuits
Lawsuits and major claims can be financially devastating—get Umbrella & Excess Insurance to stay protected!