Excess and Umbrella Liability

Most businesses in this space buy excess for one of three reasons: a landlord requires it, a distribution or supply contract requires it, or the owner has looked honestly at what a serious range incident would cost and decided a single million is not enough.

Excess sits above your primary general liability and follows the same terms. Pricing is driven by how hazardous the operation is and what the primary policy costs, so the cleanest way to lower an excess cost is usually to improve the risk underneath it.

Limits at or above $5M are individually underwritten.