Liability limits above your primary insurance.

Choose limits with a reason behind them.

Your fleet, customer traffic, products, and contractual commitments all shape your liability exposure. We consider these factors alongside your operations and the financial consequences of a major claim to recommend limits and explain the tradeoffs between available options.

Understand how the layers fit together.

Umbrella and excess policies can add liability limits above specified underlying coverage, such as general liability, commercial auto liability, and employers liability. We explain which policies sit underneath, where each additional layer begins responding, and how the costs compare. For programs involving multiple insurers, we help you understand each insurer's place in the structure.

• The limits provided by each policy and the total available for covered claims
• The underlying limits required before an additional layer can respond
• The cost and coverage differences between available structures

Review the coverage behind the limit.

Umbrella and excess policies can operate differently. A policy described as follow-form may still contain its own exclusions, conditions, or endorsements. We review how the layers align with the underlying coverage, identify differences, and explain where those differences could affect a claim. Coverage depends on the terms of each policy.

Revisit protection as your business changes.

Acquisitions, new contracts, fleet growth, and expanded operations can change the protection your business needs. We help you consider whether your limits and structure still fit, including the insurance requirements in agreements you are evaluating.

Support when a significant claim occurs.

A major liability claim may involve more than one insurer. Our commercial claims team helps with reporting, coverage questions, and carrier coordination, with involvement tailored to the claim and the support needed. This can include helping address notice requirements for umbrella and excess insurers as a claim develops.

Explore our claims advocacy support →