What’s the difference between umbrella and excess liability insurance?

Umbrella insurance typically provides broader protection and may even fill in gaps in underlying policies, while excess liability strictly increases the limits of existing coverage. Both serve to extend financial protection when primary policies are maxed out.

When does umbrella coverage apply?

Umbrella coverage activates when a covered claim exhausts the limits of your general liability, auto liability, or other eligible policies. It helps pay for additional legal fees, settlements, or judgments beyond those limits.

What types of businesses need umbrella or excess liability insurance?

Any business with potential exposure to large liability claims can benefit—especially those with high foot traffic, client-facing operations, vehicle fleets, or professional services. It’s essential for companies seeking robust financial protection and long-term stability.

Umbrella and Excess Liability

Commercial Umbrella & Excess Liability

Umbrella and Excess Liability Coverage

Even the most comprehensive insurance policies have limits. At John H. Connors Insurance, our Umbrella and Excess Liability Insurance is designed to provide an additional layer of financial protection beyond the limits of your existing liability coverage. When a major lawsuit or catastrophic event threatens your business, this coverage helps ensure that your assets, operations, and reputation remain secure.

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Extended Coverage Beyond Primary Policies

Standard general liability insurance is essential—but it's not limitless. When a claim surpasses your primary coverage limits, Umbrella and Excess Liability Insurance steps in to provide additional financial protection. It ensures that a single costly incident doesn’t threaten the future of your business.

Expanded Protection for Professional Services

In fields where mistakes can lead to large lawsuits, exceeding your Errors & Omissions (E&O) limits is a real risk. Umbrella and Excess Liability policies serve as a safety net, extending coverage for legal defense and settlement costs when your professional liability insurance reaches its cap.

Broaden Your Liability Coverage Limits

Even with robust insurance policies in place, a single lawsuit or unexpected incident can exceed your coverage caps. Umbrella and Excess Liability Insurance extends your protection by adding higher limits to your existing general liability, helping your business stay financially secure when facing high-dollar claims.

What Does Umbrella and Excess Liability Insurance Cover?

What’s the difference between umbrella and excess liability insurance?

Umbrella insurance typically provides broader protection and may even fill in gaps in underlying policies, while excess liability strictly increases the limits of existing coverage. Both serve to extend financial protection when primary policies are maxed out.
When does umbrella coverage apply?

Umbrella coverage activates when a covered claim exhausts the limits of your general liability, auto liability, or other eligible policies. It helps pay for additional legal fees, settlements, or judgments beyond those limits.
What types of businesses need umbrella or excess liability insurance?

Any business with potential exposure to large liability claims can benefit—especially those with high foot traffic, client-facing operations, vehicle fleets, or professional services. It’s essential for companies seeking robust financial protection and long-term stability.

Extend Your Protection with Confidence

Unexpected legal claims and accidents can quickly exceed the limits of your standard liability policies. At John H. Connors Insurance, our Umbrella and Excess Liability solutions give you the added protection you need to operate with confidence—no matter what comes your way. Let’s talk about how we can help you build a safety net that supports your business long into the future.