Commercial umbrella and excess

A commercial umbrella or excess policy adds liability limit above your general liability, auto and employer’s liability coverage.

What it generally covers

• Higher limits above the underlying policies
• Limits that many contracts and larger customers require

Where gaps often hide

• Underlying limits must be maintained
• Exclusions in the underlying policies may carry through
• An umbrella only sits over the policies it is scheduled to

Questions worth asking

• Which policies does the umbrella sit above?
• What limits do my contracts require?
• What is excluded?

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General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.