Excess/Umbrella Liability

Just as you carry an umbrella to protect you from a potential downpour, Excess Liability Insurance (ELI), more commonly known as Umbrella Insurance, protects your company from the types of claims that could close your business.

It is without a doubt one of the most important types of insurance your company can buy. It protects your business from holes or limits in existing policy coverage as well as from financially draining lawsuits.

All types of companies would benefit greatly from ELI. Because it extends coverage so dramatically at a relatively small additional cost, many choose to pay the extra price. The amount of coverage needed will always depend on the total value of your assets.

Ultimately, ELI acts as a sort of dual policy, providing coverage in two ways:

  • Paying liabilities in excess of existing policy limits
  • Providing coverage in areas not included with existing policies

ELI is very beneficial because an effective policy can save your business money and cover more assets by using fewer individual policies.

The umbrella market is often erratic. We can find you competitive quotes addressing your specific risk categories. To learn more about including excess liability/umbrella insurance to protect your company, call TPG Insurance Services today.

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