Insurance
Umbrella / Excess Liability
Limits above your primary policies, for the claim that blows through them.
Primary limits get set by convention and by whatever your contracts demand, not by what a worst case would cost. A serious auto accident or a catastrophic injury claim can go well past a standard primary limit, and the excess lands on the business.
Umbrella cover is priced as an excess layer, which usually makes it the cheapest limit you can buy per dollar of protection. We size it against a realistic worst case and check that the underlying schedule matches your primary policies. A mismatch there opens a gap in precisely the spot the umbrella was meant to plug.
What you get
Cheap per dollar
Excess layers cost far less per dollar of limit than primary cover does.
Sized to worst case
Set against a realistic catastrophe rather than whatever’s conventional.
Schedule verified
Checked against your primary policies so no gap opens where it attaches.
Meets your contracts
Hits the limits your customer agreements demand.
Umbrella / Excess Liability
Let's talk about umbrella / excess liability.
Extra limits sitting on top of general liability, auto and employers liability. Cheap relative to the exposure it closes off.