An Extra Layer of Protection for Your Enterprise.

More than just a policy—it’s a blueprint for your ultimate
peace of mind.

In today’s litigious environment, a single major accident or lawsuit can
quickly exceed the limits of your primary insurance policies.
Commercial Umbrella and Excess Liability insurance act as a vital
safety net, providing an additional layer of financial security when
your standard limits are exhausted. It ensures that one catastrophic
event doesn’t jeopardize the future of your entire business.

Comprehensive Security Above and Beyond

We break down complex insurance jargon into clear, actionable
protection categories:

The Core Protections

Extended Liability Limits

Provides millions of dollars in additional coverage that
sits on top of your General Liability, Commercial Auto,
and Employer’s Liability policies.

Catastrophic Loss Coverage

Protects against massive claims, such as multi-vehicle
accidents or significant property damage, that would
otherwise bankrupt a business.

Maximize Your Protection Savings

Did you know that high-limit protection can be surprisingly affordable? Because Umbrella and Excess policies only pay
out after primary limits are gone, the "cost per million" in coverage is often lower than your base policies. We utilize precise
risk assessments to help you find the most competitive rates for high-level security.

Ready to Secure Your Legacy?

Don't wait for a million-dollar judgment to realize your business is underinsured. Get a polished, professional quote
designed to provide the ultimate ceiling of protection for your budget.

Financial Security

A contract that ensures your business isn't left
vulnerable to the "worst-case scenario" legal
judgments that exceed standard limits.

Expert Claims Guidance

Legal Defense Continuity

Our team works seamlessly across your different
policy layers to investigate claims and manage high-
limit settlements thoroughly.

Helps cover the ongoing costs of legal fees and court
costs once your primary policy’s defense limits have
been reached.

Gap Fulfillment

An Umbrella policy may provide broader coverage for
certain risks that are not included in your primary
underlying policies.

Strategic Excess Defense

Excess Liability vs. Umbrella

While both provide higher limits, an Excess policy
follows the exact terms of your primary policy, whereas
an Umbrella can offer broader protection over multiple
lines.

Drop-Down Coverage

In some cases, an Umbrella policy "drops down" to
cover a claim from the first dollar if the primary policy
does not provide coverage for a specific incident.

Underlying Requirement

To qualify for this extra layer, your business typically
must maintain a minimum level of primary coverage,
such as a $1M/$2M limit on General Liability.

The Planners Advantage: Value & Trust

Choosing the right insurance shouldn't be a guessing game. Experience a standard of protection built on industry-leading
expertise and a dedicated focus on your professional security.

• Pro Tip: Bundling your primary lines (General Liability, Auto, etc.) with the same carrier can often make a
  Commercial Umbrella policy more cost-effective and easier to manage.