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Umbrella / Excess Liability

Umbrella Insurance Extra Protection for When the Unexpected Strikes

 Safeguard your business from catastrophic claims and legal judgments that exceed your standard policy limits.

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Overview

What Is Umbrella / Excess Liability Insurance?

Umbrella Liability Insurance provides extra protection when the cost of a claim exceeds the limits of your existing liability policies — like General Liability, Commercial Auto, or Employers’ Liability.

It’s a financial safety net for high-cost legal claims, settlements, or lawsuits, ensuring that one major event doesn’t jeopardize everything your business has built.

 It’s not your first line of defense — it’s your backup when things go big.

What’s Covered

What Does Umbrella Insurance Cover?

1
Excess Over General Liability
Covers additional damages and legal expenses above your general liability limits.
2
Excess Over Auto Liability
Applies when your business vehicle policy’s limit is exhausted due to injury or damage.
3
Excess Over Employer's Liability
Used alongside Workers’ Comp to cover lawsuits filed by injured employees outside standard benefits.
4
Legal Defense Costs
Legal fees and court judgments, even if you’re not found liable.
5
Worldwide Coverage
Optional global extensions for businesses operating across borders.
6
Catastrophic Events
Large claims that involve multiple injured parties, extensive property damage, or high-value settlements.

Umbrella policies don’t replace your primary coverage — they extend it.

Who Needs Umbrella Insurance?

Is Umbrella Coverage Right for You?

If your business faces public exposure, contractual liability, or higher-risk operations, Umbrella Insurance is a smart choice — and often required.

Recommended For:
  • Companies with client-facing physical locations
  • Businesses operating fleets or heavy machinery
  • Contractors & manufacturers
  • Organizations with multiple employees or branches
  • Any business that signs large contracts or government deals
  • High net-worth businesses or those in litigious industries
Why Choose GlobalPayGuard for Excess Coverage?

Why GlobalPayGuard?

Flexible Limits

Extend protection from $1M to $25M+

Expert Legal Guidance

Support during lawsuits or claims negotiations

Seamless Integration

Works with existing GlobalPayGuard policies

Cross-Border Protection

Available in 40+ countries

Enterprise or Startup Ready

Scales with your size and risk

Real-World Use Cases

  • A customer sues your business for $3M in damages after a major accident. Your general liability policy covers $1M — Umbrella picks up the remaining $2M.
  • A company truck causes a multi-car collision, exceeding your commercial auto policy limit. Umbrella fills the financial gap.
  • An employee files a rare lawsuit outside Workers’ Comp — legal fees and settlement costs are covered under excess liability.
FAQs

What’s the difference between Umbrella and Excess Liability?
Technically, Excess Liability extends limits of a specific policy, while Umbrella may cover multiple policies and even fill in gaps. We offer both.
Can I add Umbrella to policies from other providers?
Yes — though we recommend aligning providers for seamless claims handling. We can help coordinate with your current carriers.
Do small businesses really need this?
Yes — even small businesses can face million-dollar claims. Umbrella is surprisingly affordable and can prevent financial disaster.
How much extra coverage can I get?
Common limits range from $1M to $10M, but we can arrange higher limits for enterprise clients.

Get Covered

Add a Layer of Financial Protection Today
Umbrella coverage is the smart, affordable way to ensure your business can weather any storm — legally and financially.

Get an Umbrella Liability Quote
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