A serious premises injury exhausts the general-liability limit.
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Commercial Insurance Solution
Excess & Umbrella Liability
Additional limits above scheduled liability policies to help protect against severe claims that exceed primary coverage.
Request a ProposalWho it helps
Coverage aligned with the exposure
- Organizations with significant public, product, vehicle or contractual exposure
- Businesses required to carry higher limits
- Companies seeking added protection for severe or catastrophic liability claims
Claim scenarios
How a claim might arise
A major vehicle accident produces damages above the commercial-auto limit.
A covered products claim affects multiple people and exceeds primary insurance.
These examples are illustrative only. Whether a claim is covered depends on the actual facts and the policy’s terms, conditions, exclusions, limits and endorsements.
Review carefully
Exclusions and options to discuss
- Which underlying policies are scheduled
- Follow-form wording and umbrella coverage differences
- Attachment points, retained limits and exclusions
- Limits required by contracts and catastrophe modeling
Prepare for a quote
Information your broker may need
- Current primary policies and limits
- Fleet, payroll, revenue and operations
- Contracts requiring excess limits
- Loss history and requested tower structure
Frequently Asked Questions
Common questions
Is excess or umbrella liability insurance required?
Requirements depend on your operations, contracts, state law and other circumstances. A Peloton broker can help identify contractual and practical requirements that apply to your organization.
How is pricing determined?
Insurers generally consider the organization’s size, operations, loss history, limits, deductibles, controls and other coverage-specific exposures.
Can this coverage be coordinated with our other policies?
Yes. Reviewing related policies together can help identify gaps, overlaps and inconsistent terms before a claim occurs.
Talk with Peloton
Build a proposal around your organization—not a generic checklist.
This page provides general information only and is not legal advice or a representation of coverage. Policy terms and availability vary by insurer and risk.