When contractors need to extend their insurance protection, umbrella/excess insurance is an affordable solution. Maybe you’re working on a new project and the contact requires you to carry a higher general liability limit. Or perhaps you want to ensure that you’re covered against the possibility of a high-dollar incident or claim. Either way, umbrella/excess insurance is an easy solution to help you get the most out of your contractor insurance protection. Umbrella/excess insurance can increase the coverage limits across multiple insurance policies for one affordable premium. Whether you need extra coverage or just want to be prepared against the possibility of a claim exceeding the underlying policy limit, umbrella insurance has you covered. Umbrella insurance can extend the protection of your existing coverage, fortifying your protection against:
  • General liability claims
  • Commercial auto claims
  • Employer’s liability (workers’ compensation) claims

Why do I need an Excess Insurance Policy?

If a claim exceeds your underlying policy limit, you will have to pay the difference yourself. Could your construction business weather a $1M difference between a costly claim and your existing policy limit? With excess coverage, you don’t have to worry about a big incident depleting your business assets. Excess insurance is sold in $1 million dollar increments, so you can extend the limits of your existing policies to a comfortable amount of coverage. The policy premiums for excess insurance are surprisingly affordable. Don’t leave the security of your business to chance; extend your contractor insurance coverage and fortify your defence with umbrella/excess insurance.

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Irvine, CA 92612


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