You make one call. We make the rest.
When a lease demands higher limits, a contract asks for more, or a claim outruns your primary policy, the umbrella is the answer. We place the extra limits without re-buying the coverage you already have.
Tell us about your business.
What is Umbrella insurance?
More protection stacked on top of the policies you already have, for the claim that blows past them. When a covered claim is bigger than your main policy, the umbrella picks up where it stopped, which is what keeps a large claim from becoming an existential one.
The umbrella is often the most efficient million you can buy.
Because it sits above your other policies and only responds to large claims, each additional million typically costs a fraction of the first. When a contract demands higher limits, this is usually the smart way to meet it.
Excess over general liability
The big premises or operations claim.
Excess over auto
The serious accident that outruns auto limits.
Above a workplace-injury suit
An injured employee who sues on top of a workers' comp claim.
Contract compliance
The clean way to meet lease and contract limit requirements.
One application. Every market. The right program.
We take the time to know your business.
A specialist learns how the operation actually runs before anything gets quoted. Not a form, a person.
We can reach the right insurers.
The big-name companies and the specialists they cannot match. More than one option gets you the right coverage, and a better price.
The right coverage at the right price.
Real options from real insurers, and a straight recommendation on which one fits.
Fast where it counts.
Same-day certificates, quick quotes, no waiting on hold.
Frequently asked questions
Do I need an umbrella?
If a lease or contract requires limits above your primary policies, yes, and immediately. Otherwise it is a judgment call about how much claim your business could absorb. We will give you a straight recommendation.
Does it cover everything my other policies cover?
It follows the policies underneath it, with its own terms. We map exactly what sits under your umbrella so there are no surprises.
What does it cost?
Far less per million than your primary coverage. Industry and underlying limits drive it.