Commercial Excess Liability Insurance

Schaedler Insurance offers a complete line of commercial excess liability and umbrella insurance products for nearly any type of business. Whether your business is small or large, our experienced team can help you decide whether an excess liability insurance policy is a good investment for your business as well as the most appropriate policy limits depending on your situation. 

You may need an excess liability policy if you have a client that is requesting higher liability limits than your general liability policy offers, or if the nature of your business presents substantial risks that are not adequately covered by your general liability policy.  Regardless of your situation, you’ve come to the right place.

            Why Us for Your Excess Liability Insurance?

     Coverage Limits Tailored To Your Business Needs

     Free Support and Business Liability Analysis

     Fast, Personal and Professional Service

What Is Commercial Excess Liability Insurance?

Commercial excess liability insurance, commonly referred to as umbrella insurance, provides an additional amount of liability insurance over and above your underlying commercial liability policy.  While the term “umbrella insurance” and “excess liability” insurance are often used interchangeably, there are actually significant differences between the two.  Excess liability insurance covers only exposures covered by the underlying commercial liability policy; while umbrella insurance occasionally drops down to provide coverage that may be excluded or omitted by an underlying policy.  With this in mind, umbrella insurance is generally preferred over its excess liability counterpart.

Our agency provides both umbrella and excess liability insurance for businesses, however, we typically write umbrella insurance because of its broader coverage.

Excess Liability Insurance Coverage Limits

Excess liability insurance and umbrella policies typically come in increments of 1 million dollars with no firm maximum in the amount of coverage that is available.  Most small to medium size businesses typically require an umbrella policy in the range of 1 to 10 million, depending on the size of the company and the nature of its operations.

Getting An Excess Liability Insurance Quote

To get a quote for an excess liability or an umbrella insurance policy, simply complete the contact form at the top of this page and a Schaedler Insurance commercial specialist will contact you shortly to answer any questions you may have and complete your quote.  Please have your commercial general liability policy handy because we will need some information from it to provide an accurate quote.  If you need a general liability policy, we can help with that as well.