Higher Coverage, Greater Stability, Lasting Peace of Mind
Large claims can exceed primary policy limits. Umbrella and excess liability coverage protects your business against catastrophic loss and ensures long-term stability.
Umbrella & Excess Liability Insurance Services
Additional liability limits over primary policies
Coverage for auto, general liability, and employers’ liability
Options tailored to contract requirements and risk tolerance
This is What Partnership Feels Like
Personal
We align coverage with your industry’s realities.
Proactive
We advise on appropriate limits before contracts demand them.
Present
We respond quickly when claims escalate.
Umbrella & Excess Liability FAQs
Q: What is the difference between umbrella and excess liability coverage?
Both provide higher limits beyond your primary policies. Umbrella insurance can also broaden coverage, while excess typically follows existing terms.
Q: When should a business consider umbrella insurance?
If you have multiple locations, high-value contracts, or public exposure, umbrella insurance provides added financial protection from large claims.
Q: What policies can umbrella coverage extend?
It can apply to general liability, auto liability, and employers’ liability, ensuring cohesive protection across multiple policies.
Q: Is umbrella insurance required by contract?
Many commercial contracts, especially in construction and manufacturing, require proof of umbrella or excess limits. Henderson Brothers helps verify compliance.
Q: How much umbrella coverage should I have?
It depends on your assets, industry, and risk tolerance. Our advisors assess exposure and recommend right-sized limits for your business.
The Henderson Brothers Difference
Our advisors make complex liability protection simple and accessible. We balance cost with peace of mind so you can focus on your mission
Explore Coverage by Industry
Every business faces unique risks. Henderson Brothers designs insurance solutions tailored to the realities of your industry, so you get protection that fits — not one-size-fits-all coverage.
Industry Insights
Experience the Power of Partnership
Get tailored guidance and proactive support that helps you make decisions with confidence.
Daniel Coast
Managing Director, Property & Casualty, Partner | Henderson Brothers, Inc.
Email dmcoast@hendersonbrothers.com
Or call 412‑754‑3279
