Excess Liability Insurance, also known as an umbrella insurance policy, is an additional layer of liability protection that provides coverage beyond what is already included in other insurance policies. Excess liability insurance is designed to help protect individuals and businesses from catastrophic losses that could result from a lawsuit or other legal action. 

What Is Commercial Excess Liability Insurance?

Commercial Excess Liability Insurance is a form of business insurance that provides additional coverage beyond the limits of other policies. It is designed to give businesses extra protection in the event of a catastrophic loss. This type of insurance is also known as umbrella liability insurance and is often part of a business insurance package.

Commercial Excess Liability Insurance is designed to provide coverage over and above the limits of the company’s other policies. For example, suppose a business has a general liability policy that covers up to $1 million in damages. In that case, the commercial excess liability insurance will provide additional protection for damages beyond that limit.

This type of business insurance is important for businesses because it can help protect them from potentially large losses. If a business is held liable for large damages, the costs associated with those damages could be devastating. Commercial excess liability insurance helps to reduce the financial risks associated with these types of incidents.

What Does Excess Liability Insurance Cover?

Excess liability insurance covers various claims, including bodily injury, property damage, personal injury, advertising injury, and more. In some cases, it can even provide coverage for libel and slander. It can also provide coverage for judgments and settlements that may arise due to a liability claim.

Excess liability insurance is a great way to protect yourself and your business from the financial burden of large claims and lawsuits. It can help cover legal fees, court costs, and any awards or settlements that may be awarded to the other party. It can also help to protect your personal assets in the event of a large claim or lawsuit.

Excess Liability Insurance: Who’s It For?

Excess liability insurance is recommended for anyone with a high net worth or who owns a business with significant assets. This type of insurance can help cover legal costs if you are sued or held liable for damages. It can also provide coverage for personal injury, libel or slander, and other claims that primary liability policies may not cover.

It’s important to note that excess liability insurance is not required by law, but it is highly recommended to protect yourself, your business, and your assets. While primary liability policies typically provide coverage up to a certain limit, excess liability insurance can provide additional coverage when exceeding that limit. This can be especially helpful if you’re sued for a large amount of money or facing a costly lawsuit.


Excess Liability Insurance is a form of coverage designed to provide additional protection against major financial losses. Businesses and individuals need to consider it as it can help protect them and their assets in case of a large claim or lawsuit. It can benefit those who may be at risk of being held liable for damages that exceed the limits of their primary insurance policy. Excess Liability Insurance can be a great form of financial protection for businesses and individuals and should be considered when looking for ways to protect your assets.

Need help with excess liability insurance or any business insurance in Lubbock, TX? Pascal Burke Insurance Brokerage Inc. got you covered. We are specialists in an array of policies that cover not only general cases but also specialty contractors.