General Liability Insurance

The Umbrella Express Policy is an optional coverage that provides an additional layer of protection over your existing general liability, business auto, workers’ compensation employers liability, and other liability policies. A true umbrella policy increases your liability limits by an additional $1,000,000 over your underlying policies and covers certain exclusions from your general liability policy, typically over a self-insured retention (deductible) of $10,000. It responds to losses not covered by any underlying policy from the first dollar.

Opting for an umbrella policy can be cost-effective. For example, instead of increasing your general liability, business auto, and workers’ compensation limits to $2,000,000 each, you can purchase a $1,000,000 umbrella policy over $1,000,000 underlying policies. An excess policy is similar but only extends the limits of the underlying general liability policy without the “drop down” feature.