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Umbrella Excess Insurance Made Easy


UMBRELLA: This form provides a higher limit of coverage that is excess over scheduled underlying policies. It is used in one of three ways:

  1. To provide additional limits of protection over the coverage listed in your underlying schedule.
  2. To act as primary coverage if your underlying limits are exhausted
  3. To provide coverage for some risks, subject to a retention, when your primary coverage does not.

EXCESS: This form provides higher limits of coverage for only those hazards covered by your primary policies. No coverage exists if it is not included in your underlying schedule. Coverage is designed to drop down when claims payments have reduced/depleted the aggregate limits of the underlying coverage.

To learn more about how Umbrella Excess applies specifically to your business, call 636-229-7000 or schedule an appointment for a complimentary consultation with one of our experienced agents.