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Umbrella Insurance

Umbrella insurance or excess policies are used when an insured is either required or chooses to purchase limits that are higher than what is offered in the primary policy.

Umbrella (stand-alone)- Umbrella policy differs from an excess policy in that the coverage provided can be greater or less than the underlying policies.

An excess policy does not expand or restrict coverage in relation to the underlying insurance. The coverage mirrors the underlying policy, but increases the limit of liability based on the amounts selected by the insured. 

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