Coverage Beyond Your Primary Limits.
Designed to respond when underlying limits are exhausted, subject to its own terms and conditions.
When a claim exhausts primary limits, or a contract requires more coverage than a standard policy provides, umbrella liability is intended to address that gap. Unlike excess liability, it sits above multiple underlying policies simultaneously.
We review both the umbrella structure and the underlying program before making any recommendation.
Coverage Overview
How Umbrella Liability Is Structured to Work
Coverage Above Multiple Underlying Policies
Sits above several underlying policies at once, including GL, commercial auto, and employers liability.
Response After Primary Limits Are Exhausted
The underlying policy responds first. The umbrella is intended to respond to the remainder up to its applicable limit.
Gap Coverage Between Policies
Sometimes structured to respond to claims that fall between underlying policies. Worth reviewing specifically during placement.
Firms Worth Considering This
Who Typically Reviews Umbrella Coverage
Firms on Large or Complex Projects
As project scale increases, so does the potential magnitude of a claim.
Firms With Contractual Limit Requirements
When a contract references limits above what a standard policy provides, umbrella is typically the most efficient solution.
Firms With Exposure Across Multiple Lines
When operations create liability considerations across GL, auto, and employers liability simultaneously.
Firms Concerned About Catastrophic Exposure
A serious incident can exhaust primary limits faster than anticipated.
Worth Understanding
How Excess and Umbrella Differ
Umbrella and excess liability are related but structured differently — and the distinction matters.
Umbrella liability sits above multiple underlying policies and may address certain gaps between them. Broader in scope, it can respond to a wider range of covered claims.
Excess liability attaches to a single underlying policy and follows its terms exactly. It adds limit — nothing more. It does not fill gaps or extend to other policies.
Which is appropriate depends on your overall program and contract requirements. We review both before making a recommendation.
Learn More About Excess LiabilityKey Considerations
A Few Things Worth Reviewing
Underlying Policy Requirements
Umbrella coverage requires active underlying policies. We review the full underlying program before recommending structure or limits.
What Umbrella Does Not Cover
Not designed to respond to professional liability claims. Does not respond until underlying limits are fully exhausted.
Limits and Attachment Point
Both are worth reviewing against your project profile and contract requirements.
Our Process
Deliberate at Every Step
Step 1
Review Your Program
We start with what is already in place to understand where the umbrella needs to attach.
Step 2
Assess Your Exposure
Project scale, contract requirements, and operations inform how much umbrella coverage may be appropriate.
Step 3
Approach the Right Market
We approach carriers familiar with your operations and program structure.
Related Coverage
What Firms Typically Review Together
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Commercial Auto
For vehicles owned, leased, or used by the business.
Excess Liability
Extends the limits of a single underlying policy without changing its terms.
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