Excess Liability Insurance

You can purchase an excess liability policy if you want to get extra coverage from your general liability policy but don't want to pay too much. This type of insurance provides additional protection over your underlying liability policies.

Excess liability insurance is important for any business. Generally, liability policies have a limit of $5 million or $20 million. An excess liability policy will provide you with extra coverage to meet your needs.

Why do you need Excess Liability Insurance?

Having an excess liability insurance policy is essential for many businesses. This kind of insurance protects you from catastrophic lawsuits, resulting in the loss of valuable assets. In addition to the money you save, the added limits of this type of insurance can help you avoid bankruptcy. 

What does Excess Liability Insurance cover?

Excess liability insurance is a type of umbrella insurance that sits over your underlying policies. It does not affect the terms of the underlying policies. It simply offers additional limits of coverage. Some types of umbrella insurance are also available at Insurigo Inc. Get a Quote now. The best one to choose for your business is the one that is most suitable for your needs. In this case, it’s recommended that you choose the amount of coverage you need based on the size of the business.

Difference between excess liability and umbrella coverage

The primary difference between an umbrella policy and an excess liability policy is that umbrella insurance has higher coverage limits than an excess liability. A higher limit will protect you in case of a lawsuit, while a lower limit means you won’t face financial hardship.

You can also check personal insurance plans.

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    man testimonial
    Victor Retired Govt Officer, NY, USA

    Thank you for taking great care of us on our insurance. You and your team at Insurigo Inc have been wonderful to work with

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    Maria Marlin Retired Govt Officer, Plano, USA

    Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.