Cover your assets.


Excess/Umbrella coverage can protect your hard work and investments.
But even the most careful planning can't prevent every unexpected event. That's where umbrella or excess insurance comes in. These policies provide an extra layer of coverage to help you safeguard your business against catastrophic losses that could threaten your financial stability. With umbrella or excess insurance, you can enjoy greater peace of mind knowing that your business is protected from the unexpected.

CATASTROPHIC CLAIMS KILL BUSINESSES
A study by the Insurance Journal found that businesses that experience a lawsuit with damages exceeding $1 million are more likely to go bankrupt. An umbrella and/or excess policy can save your business.

BETTER INSURANCE MEANS BETTER CONTRACTS
If you have a contracts or leases that requires umbrella or excess insurance, this coverage can help ensure that you are able to comply with those requirements and secure important business opportunities. Along with peace of mind, it allows you to confidently grow your business.

CALIFORNIA IS A LAWSUIT NIGHTMARE
California was named one of the top 10 "judicial hellholes" in the country by the American Tort Reform Foundation in 2020. The average cost of a liability claim for businesses in California is $42,000 - but if there's a serious injury or death, you could be on the hook for millions.
Above/Beyond
Additional liability coverage
Coverage for lawsuits
Peace of mind
Avoid costly claims
Safeguarding assets
Contract fulfillment
Essential Knowledge for Business Owners

Umbrella/Excess 101

Umbrella and excess insurance are both types of liability insurance that provide additional coverage beyond the limits of an underlying policy.
Excess insurance provides additional coverage in the same way as the underlying policy, by paying out claims up to the limit of the policy. For example, if a business has a general liability policy with a limit of $1 million and an excess liability policy with a limit of $5 million, the excess policy would only pay out if a claim exceeds the $1 million limit of the underlying policy. Umbrella insurance, on the other hand, provides broader coverage than the underlying policy. It can cover liability claims that are not covered by the underlying policy, as well as provide additional coverage beyond the limits of the underlying policy.
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Links & Resources
California Business Owner Guide
Hundreds of pages of resources
Umbrella or Excess or Both?
Key differences between commercial excess and umbrella.
Umbrella/Excess INSURANCE

Forms & Downloads


Excess Application
Industry standard Acord 131

Umbrella/Excess Articles

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