Who needs Umbrella / Excess?
What's covered
Additional limits above your general liability policy for third-party bodily injury and property damage claims.
Higher limits over your commercial auto policy after a serious accident involving a business vehicle.
Extra protection above the employer's liability portion of your workers' compensation policy.
Attorney fees and court costs for covered claims that exceed your underlying policy limits.
Some claims excluded by an underlying policy may be covered by the umbrella after a self-insured retention.
What's not covered
Examples by industry
A serious salon-injury judgment exceeds your liability limit; umbrella covers the excess so it doesn't reach your assets.
A large foodborne-illness verdict exceeds your general liability limit; umbrella pays the remaining amount.
A catastrophic client-property claim exceeds your base limit; umbrella covers the difference.
A major client lawsuit exhausts your liability limit; umbrella provides the additional coverage needed.
A severe customer-injury award tops your store's liability limit; umbrella picks up the excess.
A multi-vehicle accident produces claims beyond your commercial auto limit; umbrella covers the overflow.
A large liability judgment exceeds your underlying limits; umbrella adds the extra protection.
A serious job-site injury results in damages above your liability limit; umbrella covers the remainder.
A costly advertising-injury judgment exceeds your base limit; umbrella pays the excess.
A major injury claim at a property exceeds your liability limit; umbrella covers the additional amount.
Part of the Knack guide
Learn Umbrella / Excess alongside every other coverage in our full guide.
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