EXCESS LIABILITY
PROGRAM

Limits

• Up to $5MM

Additional Coverages

• Additional insured Endorsements Available

• Per Project & Per Location Agg (if eligible)

• Waiver of Subrogation

• Primary & Non-Contributory Wording

Underlying Carrier Requirement

• AM Best's Rating of at Least B+V or A-V or Better

• GL-$1MM/$2mm/1mm, AL-$1MM, EL-$500k/$500k/$500k Employers Liability (Exceptions Apply)

How Does Umbrella Insurance Work?

When you have a claim that exceeds the limits of your current policy, umbrella insurance can provide extra coverage to protect your business and assets from financial risk. At Exclusive, umbrella insurance is available with existing liability policies.

Keep in mind that umbrella insurance can only be applied to a claim if two things happen:

1. You already have the appropriate underlying liability policy.

For example, if you have general liability insurance with an umbrella policy but you don't have commercial auto insurance, then your umbrella policy only applies to those items covered by general liability.

2. The limits of that policy have been reached.