Extended Protection

Umbrella & Excess Liability Insurance

Extra protection when your primary policy limits aren't enough. Shield your business from catastrophic claims that could exceed your standard coverage.

What is Excess Liability Insurance?

Excess Liability Insurance (also known as Umbrella Insurance) provides additional coverage beyond the limits of your underlying policies like General Liability, Commercial Auto, and Employers Liability. When a claim exceeds your primary policy limits, excess liability kicks in to cover the difference.

In today's litigious environment, lawsuits and settlements can easily exceed standard policy limits. A single catastrophic accident, serious injury claim, or major lawsuit could financially devastate your business without adequate excess coverage.

At Guidepost Insurance Services, we help businesses secure excess liability coverage in amounts from $1 million to $10 million or more, providing peace of mind that your assets are protected against worst-case scenarios.

$1M
Minimum Coverage
$10M+
Maximum Available
50+
Carriers

What Does Excess Liability Cover?

  • General Liability Excess

    Additional coverage when bodily injury or property damage claims exceed your GL limits

  • Auto Liability Excess

    Extra protection for serious auto accidents that exceed your commercial auto limits

  • Employers Liability Excess

    Coverage beyond your workers' comp employers liability limits

  • Legal Defense Costs

    Additional funds for attorney fees and court costs in major lawsuits

  • Catastrophic Claims

    Protection against multi-million dollar settlements and judgments

How Excess Liability Works

See how excess liability provides an extra layer of protection above your primary policies

Excess/Umbrella Liability

$1M - $10M+ Additional Coverage

Kicks in when primary limits are exhausted

General Liability

$1M/$2M Typical

Commercial Auto

$1M Typical

Employers Liability

$500K/$500K/$500K

When a claim exceeds these limits, excess liability covers the rest up to your umbrella limit

Real-World Example

Scenario: Your delivery driver causes a serious accident resulting in a $3 million lawsuit.

  • Your Commercial Auto pays its $1M limit
  • Your Excess Liability covers the remaining $2M
  • Your business assets remain protected

Without Excess Liability

You'd be personally responsible for the $2M gap — potentially losing your business, savings, and personal assets to satisfy the judgment.

Who Needs Excess Liability Insurance?

Any business with significant exposure to liability claims should consider excess coverage

Contractors

Trucking

Manufacturing

Property Owners

Restaurants

Healthcare

Retail

Professionals

Signs You Need Excess Liability Coverage

Contracts require higher liability limits than your primary policy provides

You have significant business assets to protect

Your industry has high litigation risk

You operate commercial vehicles

You have employees working in high-risk environments

You want peace of mind against catastrophic losses