Excess Liability
Extra limits above one specific underlying policy, following its terms.
What it means for your firm
It differs from an umbrella, which can sit over several policies. Contracts do not always treat the two as the same.
Articles that explain it
General definition for education only. It is not an interpretation of any policy or contract, and it is not legal advice. The wording of your own policy and contract controls. Policies and definitions vary by insurance company.
Talk to a specialist
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Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.