Umbrella Insurance
Umbrella insurance sits above your existing liability policies and responds once the limits of those underlying covers are exhausted.
It is typically arranged over Commercial General Liability, Employers' Liability and Automobile Liability, giving a single additional limit that can be drawn on by whichever underlying policy is triggered.
For businesses facing large contractual limit requirements, an umbrella layer is usually the most cost-effective way to reach the number.
What it typically covers
- Additional limit above primary liability covers
- Sits over CGL, Employers' and Auto Liability
- Helps meet large contractual limit requirements
- One shared limit across underlying policies
- Cost-efficient alternative to raising each primary limit
- Structured to your contract and exposure profile
Not sure whether this is the right cover for you? Send us your contract or scope of work and we will tell you which policy the obligation actually falls under — before you buy anything.
