Smple Insurance

Understanding Excess & Umbrella Liability Insurance

At Smple Insurance, we help businesses safeguard their financial future with Excess and Umbrella Liability Insurance.  These policies provide an extra layer of protection when your standard insurance limits are not enough. 

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What is Excess & Umbrella Liability Insurance?

Excess and umbrella liability insurance extends the coverage of your existing policies (General liability, Commercial auto liability, Employers’ liability). While Excess Insurance increases the limits of your current policies, Umbrella Insurance offers broader protection—sometimes covering claims that your primary insurance does not. Both are designed to protect your personal and business assets from large or unexpected claims.

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Why You Need Excess & Umbrella Coverage

Even with comprehensive primary insurance, lawsuits and claims can exceed your policy limits. Excess and umbrella insurance protects you from financial exposure, covering:

• Bodily injury and property damage

• Personal injury, like defamation or libel

• Legal defense costs, even if the claim is groundless

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This type of coverage is ideal for:

• Business owners with high-risk operations

• Property owners and landlords

• Professionals with liability exposure

• High-net-worth individuals seeking extra protection​

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Don’t leave your personal or business assets unprotected. Contact Smple Insurance today to get a personalized Excess & Umbrella Liability Insurance quote and ensure you have the coverage you need.

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Disclaimer: Coverage details, limits, and exclusions may vary by policy. The information provided is a general overview and does not represent all the terms, conditions, or exclusions of any specific policy. For complete coverage details, including limitations and exclusions, please refer to the actual policy or consult with one of our agents at Smple Insurance.