COMMERCIAL UMBRELLA & EXCESS LIABILITY
When your responsibilities call for a higher limit.
A larger contract. A growing operation. More at stake. Let’s look at whether another layer of liability coverage belongs in your insurance plan.
Let’s talk about your coverage ↗Growth can change the numbers.
The liability limits that made sense when you started may deserve another look today. Contract requirements, more locations, or changes in your work can all prompt the conversation.
We’ll help you compare umbrella and excess liability options alongside the policies you already carry, so the pieces make sense together.
Look at the coverage beneath the limit.
- The policies an umbrella or excess policy sits above
- Required underlying limits and contract terms
- Exclusions and differences between policy forms
A higher limit doesn’t solve every coverage gap. We’ll help you look at how the proposed policy connects to your existing insurance, not just the number on the quote.
A good question to ask.
Are umbrella and excess liability the same?
The terms are often used together, but the forms can work differently. We’ll help you compare the actual wording and how each option relates to your underlying policies.
LET’S TALK
Has your business outgrown its limits?
Bring your policies and the requirements you need to meet. We’ll help you put them in perspective.
Talk with IronhillSee how the pieces fit together.
PUT COVERAGE IN CONTEXT