Commercial Umbrella / Excess Liability
Standard coverages and limits
Excess liability coverage provides additional limits above underlying General Liability, Auto Liability, Employers’ Liability, and other scheduled policies
Commercial umbrella coverage may provide broader protection than excess liability, including coverage that can “drop down” in certain situations
Typical limits: $1 million per occurrence / $1 million aggregate, with higher limits commonly available (e.g., $2M, $5M, $10M+)
Follow-form coverage generally follows the terms, conditions, and exclusions of the underlying policy
Defense costs may be covered depending on the policy structure and whether limits are inside or outside the limit of insurance
Catastrophic liability protection — helps protect the business from large claims that exceed primary policy limits
Annual premiums start from $750.00. Higher limits are available
Common Endorsements / Optional Coverages
Waiver of Subrogation
Additional insured extensions
Primary & non-contributory wording
Worldwide coverage
Exclusions or restrictions for high-risk exposures such as pollution, professional liability, or certain construction operations
Cost Factors & How Pricing Works
Underlying liability limits
Claims/loss history, Coverage limits
Coverage limits purchased — higher limits generally mean higher premiums
Insurers evaluate the exposure, required underlying limits, historical losses, and desired umbrella limit before determining the premium and deductible/self-insured retention
Who Needs General Liability Insurance?
Most businesses with customer, vendor, or public-facing operations
Businesses that sign contracts requiring General Liability coverage
Businesses that want protection against third-party bodily injury, property damage, and personal/advertising injury claims
Contractors and construction companies
Manufacturers and distributors, Property owners and landlords
Commercial Excess Liability Insurance Quotes
Compare quotes from multiple carriers