Umbrella & Excess Liability · California
Umbrella & Excess Liability for California Businesses
Excess and Umbrella Liability policies provide an additional layer of protection above your primary coverages. A single catastrophic loss or high-value contract requirement can exhaust primary limits quickly — umbrella coverage makes higher limits affordable.
What It Covers
Catastrophic bodily injury or wrongful death claims
Multi-party lawsuits that exhaust primary policy limits
High-value contracts requiring $5M–$10M in limits
Jury verdicts exceeding underlying policy limits
Employer liability claims from serious workplace injuries
Auto liability from high-severity fleet accidents
Coverage Components
Optional / Add-On Components
Excess Liability
Layers additional limits above a single specific underlying policy (usually CGL or auto).
True Umbrella
Provides broader coverage that can drop down over multiple underlying policies and may fill coverage gaps.
Follow-Form Coverage
Follows the terms and conditions of the underlying policies for streamlined claims handling.
Employer's Liability Excess
Layers above the employer's liability portion of your workers comp policy.
Commercial Auto Excess
Layers above your commercial auto liability limits.
Defense Costs
Typically included — covers legal defense costs once primary limits are exhausted.
Frequently Asked Questions
