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Illustrated city edge with an apartment tower, a highway overpass with a truck crossing, a building under construction with a tower crane and a purple traffic cone by the road

Umbrella and excess liability insurance

for the claim that’s bigger than your policy.

Umbrella coverage sits on top of your general liability, auto and employer’s liability. When a claim goes past their limits, it picks up the rest.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

big claims, covered.

Serious crashes, injuries and jury awards. Tap around the street to see what’s covered, and what isn’t.

Illustrated street with scaffolding and a fallen plank by traffic cones, a dump truck crashed into two parked cars, an ambulance with its doors open, a shop with a broken window and a courthouse

covered

A crash costs more than your auto limit

Your umbrella pays the rest.

covered

Someone’s badly hurt

Medical bills past your GL limit.

covered

A jury awards millions

Covered up to your umbrella limit.

covered

A plank falls on a passerby

Extra limits above general liability.

covered

A crash costs more than your auto limit

Your umbrella pays the rest.

Examples. Your policy sets the details.

one claim, two layers of protection.

Pick a claim size to see how your policies stack.

A $3M claim

GL pays $1M.
Umbrella pays $2M.

Without it, the other $2M comes out of your business.

$3M claim. Umbrella: $2M paid. General liability: $1M paid.

big claim?
make one call.

We report it to every policy in the stack, so no layer gets missed.

  1. 1. Call us first

    Tell us what happened. We’ll know which policies it touches.

  2. 2. We notify every layer

    Your primary and umbrella carriers hear about it on time.

  3. 3. We stay on it

    Defense, settlement and payouts, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Builders

your options

$3,900a year, $5M umbrella

3 options, same coverage

Option A$3,900

Option B$4,300

Option C$4,900

ContractorColumbus, OH3 trucksNo claims
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about umbrella insurance.

What is the difference between umbrella and excess liability?
Both add limits above your primary policies. Excess liability follows the terms of the underlying policy exactly. Umbrella coverage can also be broader, sometimes covering claims your primary policies exclude. In practice the terms are often used interchangeably, so the policy wording matters.
How much umbrella coverage do I need?
It depends on your industry, contracts and assets. Contractors, fleets and businesses with public foot traffic often carry higher limits. Client and lease contracts frequently set a minimum, so check those first.
What does a commercial umbrella policy cover?
A commercial umbrella typically sits above general liability, commercial auto and employer’s liability. When a covered claim exceeds those limits, the umbrella pays the rest up to its own limit. It doesn’t cover property damage to your own things or professional mistakes.
Do contracts require umbrella insurance?
Often. Construction contracts, commercial leases and large customer agreements commonly require higher total liability limits than a primary policy provides, which usually means an umbrella. The contract usually specifies the limit and may require the other party to be named as an additional insured.
How much does an umbrella policy cost?
It depends on your industry, the limit you choose and your underlying policies. Umbrella pricing usually tracks your auto and general liability risk, so contractors and fleets tend to pay more. Comparing quotes is the only way to know yours.

Insurance words, in plain English: waiver of subrogation · additional insured · primary and noncontributory · aggregate limit · deductible vs self-insured retention · umbrella vs excess liability

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA