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Excess liability Insurance by Legacy Insurance

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Excess liability Insurance provided by Legacy Insurance

Sometimes things go wrong – a car accident, a guest slips and falls on your property, or a lawsuit. If you don’t have the right coverage, an unfortunate situation can compromise your financial security. Find out what Excess Liability (Umbrella) coverage is, and why it’s important.

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Property Coverage

Risk Factors

If the losses to your house exceeds the limits of your homeowners policy, you need to pay the rest amount from your own pockets.



Excess Liability insurance will respond when the underlying liability limits of your homeowners policy gets exhausted. 

Auto coverage

Risk Factors

Your pick and drop van might face an accident and get damaged. You become liable for the damages caused and also for the lawsuits if any.


If you use a car, truck, van, or combination of vehicles for your childcare business, then you need commercial auto insurance to cover damages and lawsuits in case of an accident.

Directors & Officers Coverage

Risk Factors

You may get booked for failure to comply with the workplace laws and get into lawsuits.


Excess liability insurance can pay for additional legal expenses if your primary policy fails to cover the entire expense.

Disaster Coverage

Risk Factors

If your swimming pool is damaged due to a natural peril but your insurance isn’t sufficient for the losses, you may end up paying them by yourself.


Excess Liability insurance will respond when the underlying liability limits of your policy gets exhausted. 

Worker Compensation Coverage

Risk Factors

Your housekeeper / nanny slips in your premises while working and gets herself injured


Excess liability insurance can pay for damages if your primary policy fails to cover the entire expense.

What is Excess Liability Insurance?

Excess Liability, sometimes known as an Umbrella policy, will respond when the underlying liability limits of your other policies, like homeowners or auto, have been exhausted. For example, if you were to be injured in a car accident and needed expensive surgery, you would be on the hook to pay for any costs beyond what the at-fault driver’s own Liability limits would cover. This is where Excess Liability coverage would kick in to help cover those unexpected costs.

What are the types of Excess Liability Insurance?

Ultimately, there are two types of excess liability insurance and there is an important difference between excess liability insurance and umbrella liability insurance.

Excess liability insurance pays for claims in excess of existing policy limits based on the underlying scope of coverage only or what is often referred to as on a follow form basis. Separately, the umbrella liability insurance serves three purposes:

  • It provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims;
  • It drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and
  • It provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).

What is the importance of Excess Liability Insurance?

Excess Liability Insurance is important because it can increase your coverage for

  • Lawsuits and legal expenses related to your business
  • Property damage and bodily injury cases such as slips and falls
  • Additional protection for your Commercial Auto insurance policy

And other excess liabilities on top of your primary policy

Talk to us today to know more about Excess Liability insurance.

Already have Excess liability Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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