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Casualty Insurance

 
Umbrella Liability Insurance | Vancouver | Ontario | Canada

Casualty Insurance – Excess and Umbrella Liability

Excess General Liability insurance provides coverage for losses above the limit of an underlying Commercial General Liability policy.  The Excess policy follows the terms and conditions of the underlying policy and becomes involved once the limits of the underlying policy have been exhausted.
 
Umbrella Liability insurance provides coverage for losses above the limit of an underlying policy with the added benefit of sitting over more than one underlying policy, known as the “umbrella” feature.  For example, an Umbrella policy could provide excess limits over both a Commercial General Liability Policy and an Auto mobile Liability policy (shown in the schedule of underlying policies).  The Umbrella policy has its own insuring agreement and may offer broader coverage than the underlying policies, known as a “drop-down” feature.


 

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Excess and Umbrella Liability





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