Limits stacked above your primary policies — sized to the contracts you're being asked to clear, not a rule-of-thumb multiplier.
An umbrella (and the excess layers above it) extends your liability limits beyond what any single primary policy carries — across GL, auto and employer's liability — so a catastrophic claim doesn't reach the balance sheet.
Mid-market commercial contracts now routinely require $5M – $25M in liability — far above any single underlying policy. Umbrella and excess policies stack on top to clear those requirements without re-buying the primary.
Jury awards in commercial liability have moved up dramatically. Carrying limits that looked generous a decade ago can leave the business personally exposed when a single claim breaches the primary.
Any business with auto fleets, public-facing operations, products at scale or work with vulnerable populations carries severity risk a single primary policy won't cover. Umbrella is the cheap insurance against the catastrophic claim.
An umbrella sits over multiple underlying policies — GL, auto, employer's liability — so one renewal decision lifts your effective limit across all of them at once.
Limits stacked over your general liability — for third-party bodily injury, property damage, products and personal/advertising injury claims that exceed the primary.
Limits stacked over auto liability — increasingly necessary as nuclear-verdict awards push commercial auto claims well above primary limits.
Limits stacked over the employer's-liability portion of workers' comp — for the rare but severe claims that fall outside the comp exclusive-remedy framework.
Some umbrellas drop down to fill gaps in underlying coverage — useful when a primary excludes something the umbrella will pick up.
Umbrellas sit above an underlying primary policy. They don't pay until the primary is exhausted or doesn't respond.
An umbrella typically follows specific scheduled underlying policies. Lines you haven't scheduled (like cyber or E&O) generally aren't picked up.
If your primary excludes something, the umbrella usually follows form. Closing a coverage gap means fixing the primary, not buying more umbrella.
Excess limits to clear the higher requirements GCs, owners and AHJs now write into commercial projects.
See the pageUmbrella stacked above primary auto to meet broker and shipper requirements and absorb nuclear-verdict risk.
See the pageUmbrella to clear lender, JV and ground-lease limit requirements across multifamily, retail and commercial portfolios.
See the pageExcess over GL, auto and EL — sized to your product-liability severity exposure.
See the pageUmbrella above GL and auto for the firm's operational exposure, sitting alongside E&O on the professional side.
See the pageWe size umbrella to the actual contract limits you're being asked to meet — not a rule-of-thumb multiplier of revenue.
Excess layers can stack to reach $100M+ when needed. We design the tower (primary, lead umbrella, excess layers) to price efficiently and respond cleanly.
An umbrella is only as good as the primaries beneath it. We audit every underlying policy for exclusions, sub-limits and gaps before binding the umbrella above.
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Tell us about your operation and the limits you're being asked to carry. We'll design a tower that prices efficiently and responds cleanly.