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Commercial Umbrella / Excess Liability Insurance


Bunker Hunt testified before congress in 1980, “a billion dollars is not what it used to be.” To paraphrase that in terms that most of us could relate to, “a million dollars is not what it used to be.” Most businesses have General Liability or Business Auto Liability limits of one million dollars or less. Those limits may not be adequate due to the rising cost of lawsuits and judgements.

Catastrophic liability losses can happen to any business at any time and a commercial umbrella policy protects you when your basic liability coverage exceeds the policy limits. The Commercial Umbrella or Excess Liability insurance payments would start where the underlying limits ends and pays in excess of and up to the limit of the Commercial Umbrella.

Porter-Brandenburg Agency recommends that your business insurance program include a Commercial Umbrella or Excess policy to protect company assets. Call us today and let us conduct a review of your business insurance needs and your current insurance coverage. This is especially true if you operate a business that has a high liability loss exposure, high profile, numerous assets, large auto fleet and worldwide presence.

A true Commercial Umbrella policy not only protects your business by providing liability limits in excess of underlying insurance, but in some cases, it even broadens your protection. An Excess Liability policy just pays in excess of the underlying policy.

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