For a single premium, umbrella liability or excess liability policies add another layer of protection to any of several other policies that you might hold, including general liability, employer’s liability, and hired and non-owned auto liability policies. For instance, if you have $1 million in general liability coverage and a covered claim is settled for $1.5 million, your small business’s umbrella liability insurance policy would pick up the additional amount.

Excess liability insurance is generally the most affordable way to get higher policy limits on several other small business insurance policies. However, you should note that umbrella liability insurance does not extend the coverage limits on and errors and omissions or professional liability policy.

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