Personal Coverage: Excess Liability


Excess liability, or umbrella insurance, acts as a supplement to the basic liability protection offered with most other property & casualty policies.


“Umbrella” policies are designed to provide liability coverage for situations where potential liability could exceed the limits of the protection provided in a typical home, automobile, or watercraft policy.


The term “umbrella” derives from the fact that such policies require an insured to have a base amount of liability coverage, often in the form of specified policies. In the event of covered losses, reimbursement comes first from the base polices. Liability in excess of the limits of the base policies is then covered by the “umbrella” policy, up to is policy limits.


Contact us today to discuss your risk of financial liability in a property & casualty situation.