Additional liability limits
Commercial umbrella insurance for property owners
Additional liability limits above listed policies, aligned with locations, operations, and contract requirements.
Property-owner umbrella insurance depends on the policies beneath it. List each insurer, policy, limit, insured person or entity, location, vehicle, and claim exposure involving employee injuries before comparing umbrella terms.
Who this covers
- Apartment and mixed-use owners
- Portfolio owners
- Condo/co-op associations
- Property managers
- Owners with contractual excess requirements
What underwriters look at
- Underlying policy schedule (a list of policies and limits beneath the umbrella)
- Attachment point (the underlying limit that must be reached before the umbrella may respond)
- Named insured consistency
- Where coverage applies geographically
- Exclusions
- How defense costs and total policy limits apply
Common questions
Can an umbrella cover several entities?
Possibly, but every entity and underlying policy must be reviewed. A name appearing on one policy does not automatically make it insured everywhere.
Does higher limit mean broader coverage?
No. Limit and coverage scope are different. Review exclusions, definitions, attachment, and underlying requirements.
Start a conversation
Tell us about the policies and limits.
Share the details and current coverage you already have. We’ll tell you what else is needed.