Excess & Umbrella Insurance
Extra liability coverage that goes beyond your primary policy limits. Protection when a claim exceeds your base coverage.
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Excess Liability
Kicks in when a claim exceeds your primary policy limit. If your primary policy maxes out at $1M and a claim is $3M, excess liability covers the remaining $2M.
Umbrella Coverage
Broader than excess liability — umbrella policies can cover claims not covered by your underlying policies (like libel, slander, false arrest).
Legal Defense Costs
Covers attorney fees, court costs, and settlements beyond your primary policy limits — costs that can easily reach hundreds of thousands.
Worldwide Coverage
Umbrella policies typically provide worldwide coverage, important for businesses that operate across state lines or internationally.
$1M – $10M+ Limits
We offer limits from $1 million up to $10 million and beyond, depending on your risk profile and contract requirements.
Multi-Policy Coverage
One umbrella policy can sit over your auto, workers' comp, GL, and employer's liability policies — one policy, all your lines.
Who Needs Excess & Umbrella?
If you have significant assets, high-limit contracts, or high-risk operations, you need it.
Large Fleets
More trucks on the road = higher risk. Umbrella coverage protects your entire operation from catastrophic claims.
High-Value Freight
Hauling $500K+ loads? A single accident could easily exceed a $1M policy limit.
Asset-Rich Owners
If you have significant personal or business assets, a lawsuit could target them. Umbrella coverage is your shield.
Contractual Requirements
Many enterprise contracts and government contracts require $2M–$5M in umbrella coverage.
Excess & Umbrella — Frequently Asked Questions
What's the difference between excess liability and umbrella insurance?
Excess liability simply sits on top of your primary policy and provides additional limits — it only covers the same types of claims as your primary policy. Umbrella insurance also provides extra limits, but often covers claims not included in your underlying policies (like libel, slander, defamation, false arrest). Think of excess as an extension and umbrella as a broader safety net.
How much excess/umbrella coverage do I need?
A good rule of thumb: your umbrella limit should at least equal your total net worth (personal and business). Many trucking companies start with $2M–$5M in umbrella coverage. If you have contracts that specify higher limits, match those requirements. We'll assess your exposure and recommend the right limit for your situation.
Do I need underlying policies before getting umbrella coverage?
Yes. Umbrella and excess policies require you to maintain minimum underlying policy limits — typically $1M auto liability and $1M general liability. Your underlying policies must be in force before the umbrella can attach. We'll make sure your base policies meet the requirements.
How much does umbrella insurance cost?
Umbrella insurance is relatively affordable: typically $1,500–$4,000 per year for a $1M policy, plus $750–$1,500 for each additional million. A $5M umbrella policy might cost $5,000–$8,000 annually. The price depends on your industry, claims history, and underlying coverage.
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