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Umbrella/Excess Insurance

To cover costs that extend beyond the liability coverage in your existing insurance policies, businesses might have to spend thousands of more dollars. To protect against this underinsured situation, umbrella/excess insurance can pick up the difference between the other existing liability insurance policy and the cost of the claim.

Umbrella/excess insurance is basically an extra layer of liability insurance coverage. Umbrella/excess insurance can cover the excess liability claims for many different types of insurance. General liability, employer’s liability, and non-owned auto liability insurance policies can be protected by an umbrella/excess insurance policy. When looking at umbrella/excess insurance policies, it is important to note that it is possible that not all existing liability policies are eligible for an extensions of coverage limits, such as a professional liability insurance policy.

Umbrella/excess insurance is designed to start taking effect when the liability coverage on other policies is exhausted. While similar to personal umbrella/excess insurance, the commercial version may require your existing liability insurance policies to cover up to a certain amount before an umbrella/excess insurance policy can be issued. Still, umbrella/excess insurance is one of the most affordable ways to get higher liability coverage since it can cover a wide variety of existing commercial liability insurance policies and does not require restructuring of several different commercial liability insurance policies.

Shopping for umbrella/excess insurance and finding the best policy for your business can take a lot of time and research; however an independent insurance agency such as the Boardwalk Insurance Group can do much of the searching for you. Fill out some simple forms and answer a few questions online about yourself and a representative from Boardwalk Insurance Group will contact you quickly to help create the best umbrella/excess insurance policy for your business. Boardwalk Insurance Group representatives have access to 23 different insurance providers and can take the time to understand your needs when creating the umbrella/excess insurance policy that will best fit the needs of your business.

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