Umbrella and Excess Liability

Commercial umbrella and excess liability are two types of policies that can provide additional protection for your business after the limits on your primary liability policies have been exhausted.

Umbrella and Excess Liability Experts


Berkley is a leading provider of umbrella and excess liability insurance. We offer comprehensive insurance solutions and risk management services that can help protect your business from legal liabilities stemming from your day to day business operations. We can also tailor solutions for small to large companies within a wide range of industries. 

Check out our Berkley Locator to discover which Berkley insurance business may be right for your commercial umbrella and excess liability insurance needs.

How Umbrella and Excess Liability Can Help Protect Your Business

The impact of social inflation and increased litigation are threats to all businesses. The limits of your primary liability policies may not provide the peace of mind that your business is adequately protected. Commercial umbrella and excess liability insurance can provide an extra layer of liability protection above your other primary liability policy limits, including general liability, auto liability, employers liability and professional liability. The coverage provided by these policies may include the following:

  • Bodily injury liability – can cover liability for injuries to another person or your employee because of an accident 

  • Property damage liability – can cover the cost of damage or loss to another person's tangible property, including vehicles and other property because of an accident 

  • Personal Injury – can cover losses from claims involving incidents of false arrest, detention or imprisonment; slander or libel 

  • Advertising injury – can cover losses from claims involving incidents from advertising activities, e.g., an oral or written publication that violates a person's right of privacy; use of another's advertising idea in your advertisement or infringing of another's copyright or slogan in your advertisement 

  • Professional liability – can cover a professional services business from errors or omissions made or alleged, including negligence, faulty advice or misrepresentation 

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