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Excess Liability

  • Excess Liability Policy — a policy issued to provide limits in excess of an underlying liability policy. The underlying liability policy can be, and often is, an umbrella liability policy. An excess liability policy is no broader than the underlying liability policy; its sole purpose is to provide additional limits of insurance.
  • Excess liability insurance provides additional coverage for one of your liability insurance policies, typically general liability insurance. It activates when that policy reaches its limit.
  • Commercial umbrella insurance provides additional coverage for several of your liability insurance policies. It kicks in when one of the underlying policies reaches its limit.

Excess liability insurance is a type of policy that extends the limits of your existing insurance policy. This type of liability insurance is referred to by many terms interchangeably, including excess liability coverage, excess liability insurance, and commercial excess liability insurance.