Umbrella & Excess Liability Insurance
Higher Limits. Stronger Liability Protection.
When a serious covered claim exceeds the limits of an underlying liability policy, the financial exposure can become significant. Umbrella & Excess Liability insurance provides additional limits above applicable primary policies, helping businesses strengthen protection against high-severity liability claims.
ISOM helps structure additional liability coverage around your operations, contracts and overall risk profile.
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Your primary coverage protects your business, but are the limits enough?
A serious liability claim can exceed the limits of your underlying insurance. Umbrella & Excess Liability provides additional limits above applicable primary policies, helping strengthen your protection against larger covered claims.
Strengthen your liability protection with benefits like:
Provides additional limits above applicable underlying liability policies when covered claims exceed primary limits.
Provides additional liability limits above qualifying Commercial Auto coverage for serious covered claims.
Adds another layer of financial protection when a large covered claim exceeds underlying policy limits.
Extends protection above underlying General Liability coverage for applicable high-severity covered claims.
May extend additional limits above underlying employers liability coverage, depending on the policy structure.
Helps businesses address contractual requirements calling for liability limits beyond their primary coverage.
Additional Liability Protection Built for Higher-Severity Exposures
- Higher Liability Limits
Provides additional limits above applicable underlying liability policies when a covered claim exceeds the available primary limit.
- General Liability Protection
Extends additional limits above qualifying General Liability coverage for covered bodily injury, property damage and other applicable liability claims.
- Commercial Auto Protection
Additional limits may apply above qualifying Commercial Auto liability coverage when a serious covered vehicle-related claim exceeds primary limits.
- Employers Liability Protection
Depending on the policy structure, excess coverage may provide additional limits above underlying employers liability insurance.
- Protection for Severe Claims
Strengthens your insurance program against large covered liability claims that could exhaust the limits of an underlying policy.
- Contract-Driven Coverage
Helps businesses structure higher liability limits when contracts, project owners or other agreements require protection beyond primary coverage.
Go Beyond Primary Limits with an Additional Layer of Liability Protection.
Umbrella and excess coverage depends on the underlying insurance program. ISOM reviews applicable primary policies, limits and coverage structure to help you understand how the different liability layers fit together.
Exclusions, endorsements and differences between policies can affect how your liability program responds. ISOM reviews the coverage structure to identify potential gaps and areas that may require closer attention.
A layered insurance program works best when its different policies are properly coordinated. ISOM helps review the relationship between applicable primary and additional liability coverage to support a more consistent overall program.
New projects, operations, vehicles, contracts or other changes can affect your liability exposures. ISOM reviews your program at renewal to help determine whether the existing coverage structure continues to reflect your business needs.
Additional Liability Protection Built Around Your Business
Umbrella & Excess Liability adds another layer to your liability program. ISOM helps evaluate your coverage structure, business exposures and insurance requirements to build protection that works alongside your underlying policies.
Broader Protection
Support for Multiple Exposures
Depending on the policy structure, additional liability coverage can work above qualifying underlying policies to strengthen protection across multiple business exposures.
Layered Coverage
Protection Beyond Primary Policies
Build additional liability capacity above applicable primary coverage as part of a coordinated, layered insurance program.
Tailored Structure
Coverage Built Around Your Risk
Your operations and exposures are different. ISOM helps structure Umbrella & Excess Liability coverage around the needs of your business rather than taking a one-size-fits-all approach.
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Your primary coverage may only go so far. Talk with ISOM about Umbrella & Excess Liability coverage designed to add another layer of protection to your business insurance program.
Frequently Asked Questions About Umbrella & Excess Liability Insurance
What is Umbrella & Excess Liability insurance?
Umbrella & Excess Liability insurance provides additional liability limits above applicable underlying policies. It can help protect a business when a covered claim exceeds the available limits of its primary coverage.
How does Umbrella & Excess Liability coverage work?
When a covered liability claim reaches the applicable limit of an underlying policy, additional coverage may respond according to the terms, conditions and limits of the Umbrella or Excess policy.
What policies can Umbrella & Excess Liability sit above?
Depending on the policy structure, additional limits may apply above qualifying General Liability, Commercial Auto and Employers Liability coverage.
What is the difference between Umbrella and Excess Liability insurance?
Both provide additional liability limits, but their terms and scope can differ. Excess Liability generally follows specified underlying coverage more closely, while an Umbrella policy may provide broader protection in certain circumstances. Actual coverage depends on the policy wording.
Why might my business need higher liability limits?
Larger claims can exceed primary policy limits, and some contracts or business relationships may require higher liability limits. Additional coverage can help strengthen your overall liability program.
How much Umbrella or Excess Liability coverage does my business need?
The appropriate limits depend on factors such as your operations, exposures, underlying policies and contractual requirements. ISOM can review these factors when evaluating your coverage needs.
Can ISOM review my existing liability coverage?
Yes. ISOM can review your existing liability structure and help evaluate how additional liability coverage may fit into your overall commercial insurance program.
NEED MORE PROTECTION THAN YOUR PRIMARY LIMITS?
ADD AN EXTRA LAYER OF LIABILITY PROTECTION
- Additional limits above applicable underlying liability policies
- Protection against qualifying high-severity liability claims
- Coverage structured around your business operations and exposures
- Support for contractual and project-specific liability requirements
