Commercial Umbrella Excess Liability Insurance

About Commercial Umbrella/Excess Liability Insurance

These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit within those companies.

Umbrella Insurance Defined

Umbrella insurance is extra liability insurance above the limits of your homeowners, auto, and other insurance policies.


It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. If your liability coverage is not enough to cover the damages of an accident you cause or an incident on your property, a personal umbrella insurance policy kicks in right where your other liability underlying limits have been reached. The policy can provide coverage for:

  • Injury
  • Damage to property
  • Certain lawsuits
  • Liability Situations
  • Bodily Injury Liability
  • Property Damage Liability
  • Owner of Rental Units
  • Slander
  • False Arrest
  • Mental Anguish


An Umbrella policy can…

  • Be applied to multiple underlying liability policies.
  • Drop down when an underlying policy’s aggregate limits are exhausted.
  • Cover claims not included in the underlying policies.

Excess Insurance Defined:

Excess Insurance is much different than Umbrella Insurance. Excess Liability can only be applied to one underlying company. For example, if your home and auto are with one company, but your boat is with another, the loss that occurs on the boat policy may not be covered by your excess if your limits are exhausted on the boat policy.