Excess liability
Commercial umbrella
Additional liability limits designed to sit over specified underlying policies, subject to the umbrella's terms.
An umbrella review is more than choosing a limit. The underlying policies, required limits, operations, locations, vehicles, and contractual obligations must line up with the proposed excess structure.
A fit to explore for
- Property owners
- Commercial portfolios
- Associations
- Property managers
- Businesses with contract-driven limit requirements
Common considerations
- Underlying general liability
- Commercial auto where applicable
- Employers liability
- Attachment points and retained limits
- Exclusions and follow-form differences
Questions
A clearer place to begin.
Start with the practical details that shape the application and review.
Does an umbrella broaden every underlying policy?
No. An umbrella has its own terms and may not follow every provision of an underlying policy. Review the actual quote and wording.
How much umbrella coverage is enough?
There is no universal answer. Assets, operations, contracts, loss potential, risk tolerance, market availability, and professional advice all matter.
Start a conversation
Send us the risk.
Share the building, occupancy, timing, and current coverage. We’ll review it and come back with the next useful step.