Umbrella & Excess Insurance


Umbrella & Excess Insurance is designed to protect business owners against multimillion dollar losses no company ever wants to have. Once your business is protected by the basic types of insurance coverage (like commercial auto and general liability insurance), you may to consider an umbrella policy for extended coverage. An umbrella policy would provide additional coverage once the limits of the underlying policies have been exhausted.

Should you Purchase an Umbrella Policy?

Very often, commercial clients may require higher limits to be carried by a contractor and there will not be a choice about whether to purchase and excess policy or not. Regardless of whether it is a contractual requirement, an umbrella policy can be an essential product for a contractor to have if they have a lot of liability exposure. One million dollars of coverage can be used very quickly with a single claim. Without an umbrella policy, a contractor will be on the liable for any damages above their policy limit.

Quote Intake Sheet
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  2. (valid email required)
  3. (required)
Business Underwriting Info
  1. Currently Insured?
  2. Claims in last 5 years
  3. Number of Active Employees:
  4. Do you subcontract work?
Liability Coverages
  1. Limit of Liability
Property Coverage
  1. Deductable
  2. Preferred Contact Method