Umbrella/Excess Liability

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Overview: Coverage protects insureds for catastrophic liability claims such as an explosion, major crash or product contamination incident that can cause long term damage to a company's reputation and bottom line.
   
Customer Profile:
  • A broad range of classes are eligible for coverage.
Benefits:
  • Our market consistently earns the highest rankings from the industry's major rating agencies.
Companion Products:
  • CrisisResponse® provides the tools a company needs to respond to a casualty crisis - direct access to the expertise of our partner companies' excess casualty claims specialists and an advancement of the umbrella limit up to $250,000 for crisis response costs that would be covered by the policy.

  • Excess Casualty CrisisFund® - part of Crisis Response® - provides an additional $50,000 limit for the fees of an approved public relations firm to help the named insured create an appropriate public response to a catastrophic casualty crisis.
Submission Requirements:
  • Any primary application accepted.
  • Details of claims over $100,000
Limits/Premium:
  • Limit in the aggregate: Up to $50,000,000
  • Limit per occurrence: Up to $50,000,000
  • Limit per claim: Up to $50,000,000
  • Minimum self-insured retention is $10,000