Umbrella Liability


Important information about COVID-19

A smartly crafted lead umbrella insurance policy is one of the main lines of defense in today’s increasingly litigious society.

The rise in the number of lawsuits and size of jury verdicts impose a heavy financial burden on many businesses large and small. When assembling this critical first excess layer of an insurance program, businesses need to lead with an industry leader. There is a reason why nearly a quarter of the market chooses us for their lead commercial umbrella placement, more than our next two competitors combined [Advisen]. For more than a half-century, we have been customizing commercial umbrella solutions for clients in a world where high exposure liability claims are common, and can be crippling. We attempt to design a lead commercial umbrella solution that is right for each business, choosing from a variety of flexible coverage features.

Features & Benefits

  • Partnership of a carrier with a high commitment to the commercial umbrella marketplace for over 50 years

  • Highly-experienced nationwide network of underwriting specialists with local expertise and authority

  • Ability to customize coverage to address a specific industry’s critical exposures through our XSEnhanced® suite of coverage enhancements

  • Automatic inclusion of CrisisResponse® to cover certain costs associated with a crisis management event

  • Access to a global service platform for obtaining locally-admitted excess limits around the world

  • Coverage backed by one of the industry’s largest and most experienced claims operations with a dedicated excess casualty claims team


  • Available capacity of up to $25 million

  • Admitted and non-admitted forms available upon request

  • Up to $250,000 outside of the umbrella policy limits to pay for certain expenses associated with managing a crisis event through CrisisResponse®

  • An additional $50,000 for the fees of an approved public relations or crisis management firm through CrisisResponse®

  • Available coverages include:
    • Excess General Liability
    • Excess Commercial Auto Liability 
    • Excess Employers' Liability 
    • Excess Product Liability 
    • Excess Marine Liability 
    • Excess Energy Liability
    • Excess Premises Liability 
    • Excess Contractors' Liability 
    • Limited Excess Professional Liability