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Umbrella or Excess Liability offers an additional layer of liability insurance that provides coverage over and above liability covered by an underlying contract.
An umbrella policy is smart business and provides greater peace of mind. It protects your employees, assets, hard work, reputation, and future. Regardless of the business type, companies of all sizes can experience losses that call for an umbrella policy. Multimillion-dollar settlements are becoming much more common. Advances in medical technology and prescription drugs have increased the costs of medical care, and new exposures with no historical loss experience are on the rise. Every business has a severity exposure. Umbrella polices offer additional protection at a reasonable cost.