Products
Umbrella / Higher limits
Umbrella / Excess Liability
Umbrella or excess liability is reviewed when a business needs liability limits above its underlying general liability, commercial auto, or employer liability policies.
Coverage
What it usually handles
- 01Additional limits above scheduled underlying liability policies.
- 02Contract, landlord, venue, or customer limit requirements.
- 03Underlying policy schedule, limits, and carrier compatibility.
Triggers
When it comes up
- 01A contract asks for limits higher than the primary policy provides.
- 02You have auto, jobsite, premises, or high-severity liability exposure.
- 03A landlord, project owner, or customer asks for excess coverage.
Quote file
Inputs carriers usually need
- 01Underlying policies, limits, carriers, and effective dates.
- 02Business operations, fleet details, payroll, revenue, and losses.
- 03Required umbrella or excess limit and contract wording.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.