Umbrella and excess liability
Protection from the unexpected
Catastrophic claims don’t happen every day – but without the right protection, one severe accident can damage a company’s reputation, market share, and bottom line. Help protect your business from these events with our umbrella and excess liability solutions.
Our umbrella coverage can expand protection over existing liability policies, helping mitigate the risk of coverage gaps. And for companies seeking extra protection, our excess liability solutions can offer higher limits for underlying policies to help safeguard against unforeseen, catastrophic losses.
A protective partnership
Solutions for complex risk
Escalating jury verdicts and rising medical costs have complicated liability exposure in recent years. Add in litigation funding and other emerging trends, and your business may no longer be adequately protected against today’s exposures.
Our umbrella and excess liability solutions from Liberty Mutual and Ironshore offer a range of options in addition to underlying primary general liability and commercial auto policy limits, including:
- A broad and flexible appetite for a variety of industries
- Up to $25M lead umbrella capacity to support our primary lines
- Up to $100M excess capacity
- Protection for domestic and international exposures
We can also match the standard terms and conditions of lead umbrella and excess policies to ensure that there are no gaps in coverage.
Expertise that delivers
Complex organizations want flexible umbrella and excess solutions that protect their finances and reputation, all while remaining cost competitive. Our people and solutions deliver through:
- Specialized underwriters with deep understanding of complex risks across a variety of industries
- A dedicated complex liability claims unit with experience navigating catastrophic losses
- Crisis management support services that can provide up to $250,000 in consulting expenses to help steer media coverage and public relations
Count on us to provide expertise and exceptional service to help protect your business against unforeseen losses —each policy is backed by the financial strength and security of a Fortune 100 company.
Better control of claims
Standing by your company’s side when it matters most, our dedicated complex liability claims unit strives to deliver fair and reasonable outcomes on every claim we manage.
Our people are at the core of our success and we empower them to do their best for our customers every day through the right guidance, tools, and resources, including:
- Training and education on trending issues and strategies
- Data-driven general damages and medical pricing tools to help shorten evaluation times
- Broad legal panels comprising field legal attorneys and outside firms to help with litigation management
From before a suit is filed until after a claim is resolved, you can expect an experience designed for maximum value and minimum hassle. Our goal is to provide thoughtful and actionable strategies to help resolve claims and protect your reputation and business against catastrophic losses.
Related insights
This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.
Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.
