Excess Liability Limits
A commercial umbrella adds $1M to $10M or more in additional liability limits above your general liability, commercial auto, and workers' compensation policies.
Excess Liability Limits
An excess limit is worth setting against what a judgment could reach, and against what your contracts require you to carry.
What You Need to Know About Excess Liability Limits
How the Layers Stack
The base general liability limit is the first layer. A commercial umbrella sits above it and applies once that limit is exhausted. What to carry is set by the limits underneath it and by what your contracts require.
Covers All Underlying Policies
One commercial umbrella sits above all qualifying underlying policies, GL, commercial auto, and workers' comp. Rather than buying higher limits on each policy separately, the umbrella efficiently extends protection across the entire liability program.
Right-Sizing the Limit
The appropriate umbrella limit depends on your asset exposure, contract requirements, and industry. Businesses with real estate, equipment, accounts receivable, and business equity need limits that reflect the total value that could be reached by a significant judgment.