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Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

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Excess liability Insurance

Excess liability Insurance By [pods name="amplispot_custom_setting_page" id="43" field="name_of_the_company"] .

Excess liability Insurance provided by [pods name="amplispot_custom_setting_page" id="43" field="name_of_the_company"] .

Sometimes things go wrong – a car accident, a guest slips and falls on your property, or a lawsuit. If you don’t have the right coverage, an unfortunate situation can compromise your financial security. Find out what Excess Liability (Umbrella) coverage is, and why it’s important.

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What is excess liability insurance?

Excess Liability, sometimes known as an Umbrella policy, will respond when the underlying liability limits of your other policies, like homeowners or auto, have been exhausted. For example, if you were to be injured in a car accident and needed expensive surgery, you would be on the hook to pay for any costs beyond what the at-fault driver’s own Liability limits would cover. This is where Excess Liability coverage would kick in to help cover those unexpected costs.

What are the types of Excess liability Insurance ?

Ultimately, there are two types of excess liability insurance and there is an important difference between excess liability insurance and umbrella liability insurance.

Excess liability insurance pays for claims in excess of existing policy limits based on the underlying scope of coverage only or what is often referred to as on a follow form basis. Separately, the umbrella liability insurance serves three purposes:

  • It provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims;
  • It drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and
  • It provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).

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Risk Factors


Note:  Please talk to your financial consultant to check all the facts before proceeding

Auto Coverage

Risk Factors

If the losses to your car exceeds the limits of your auto policy, you need to pay the rest amount from your own pockets.


Excess Liability insurance will respond when the underlying liability limits of your auto policy gets exhausted. 

Directors & Officers Coverage

Risk Factors

You may get booked for failure to comply with the workplace laws and get into lawsuits.


Excess liability insurance can pay for additional legal expenses if your primary policy fails to cover the entire expense.

Disaster Coverage

Risk Factors

If your swimming pool is damaged due to a natural peril but your insurance isn’t sufficient for the losses, you may end up paying them by yourself.


Excess Liability insurance will respond when the underlying liability limits of your policy gets exhausted. 

Worker Compensation Coverage

Risk Factors

Your housekeeper / nanny slips in your premises while working and gets herself injured


Excess liability insurance can pay for damages if your primary policy fails to cover the entire expense.

Medical Payments Coverage

Risk Factors

A guest who came for your weekend party gets injured in your premises and the medical expenses are to be borne by you.


Excess liability insurance can pay for any additional medical expenses if your primary policy fails to cover the entire expense.

What is the importance of Excess liability Insurance ?

Excess Liability Insurance is important because it can increase your coverage for

  • Lawsuits and legal expenses related to your business
  • Property damage and bodily injury cases such as slips and falls
  • Additional protection for your Commercial Auto insurance policy

And other excess liabilities on top of your primary policy

Talk to us today to know more about Excess Liability insurance. 

Already Have Excess liability Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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