The Better Way to Stay Covered

When you need a higher liability insurance limit, VANTREO has you covered. We’re experts in helping our clients manage liability risk, claims, and insurance protection. And with a smarter insurance approach, we’ll help minimize your cost. Experience the benefit of better insurance.

What does it cover?

When you need higher liability insurance limits than are available on a primary liability policy (such as a business general liability policy or a homeowners personal liability policy) you should consider purchasing an “umbrella” or “excess” liability policy. Coverage can be written to provide additional limits over several different policies (such as over both general liability and automobile liability) under a single umbrella policy. The “excess” liability policy form is more limited than the “umbrella” form.

The “excess” form insures only what is covered under the primary policies and applies only when the underlying limits of insurance are exhausted as a result of claims payments. The “umbrella” however is generally able to “drop down” to fill coverage gaps in underlying policies. Therefore, an umbrella policy can become the primary policy “on the risk” in certain situations. The term “umbrella” refers to how the policy shields the insured’s assets more broadly than primary coverage. It is important to understand which policy form you are purchasing.

Is it required?

Liability limits are often required in lease, construction and other contract documents. Often these documents require limits that are higher than those provided by a primary liability policy. Sometimes the contract document outlines specific umbrella or excess liability insurance limits to be carried. In either case, an umbrella or excess liability policy is purchased to satisfy the requirement.

What doesn't it cover?

All insurance policies have coverage exclusions and limitations. Here are a few things that umbrella/excess insurance policies may not cover: intentional loss (something you did on purpose to cause a loss); war and nuclear hazard; workers compensation claims; employment practices claims; pollution claims; and incidents which occurred before the effective date of the policy.


At VANTREO we believe that helping our clients manage liability risk, claims and insurance protection is our fundamental responsibility. We understand the administration, contractual protection, coverage issues, special claims handling and service support that both our commercial and personal insurance clients need. When it comes to successful outcomes and minimizing cost, we are a powerful advocate on our clients’ behalf.

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