Umbrella and excess liability policies offer added coverage beyond primary insurance. Umbrella policies offer broader coverage and higher limits, while excess liability policies add to existing coverage but don't usually expand its scope. These policies help safeguard individuals and businesses against major financial losses from lawsuits or claims. This article explains how to find and address non-concurrent dates in insurance portfolios to ensure more comprehensive protection.

An overview of the current market for personal umbrella liability policies as of 2026.

This article describes quota share arrangements, outlines advantages and disadvantages, examines key issues including lawsuits and claims management, and offers a best-practices checklist.

Directors and Officers (D&O) insurance helps protect corporate officers and board directors against personal liability arising from decisions made in their official capacities. With the increase in the adoption of AI, potential issues can arise.

This article explores several means by which thefts may occur during the busy holiday season, and includes some preventative measures to consider.

An overview of the Ask the Experts feature on FC&S.

<div class="cms-textAlign-left">This chart identifies the category 05 and category 06 endorsements applicable to the ISO Businessowners Coverage Part and provides a brief description of each endorsement. <span id="BP 05 17 01 06 Exclusion – Silica or Silica-Related Dust"></span><span id="BP 05 23 01 15 Cap on Losses from Certified Acts of Terrorism"></span><span id="BP 05 24 01 15 Exclusion of Certified Acts of Terrorism"></span><span id="BP 05 27 01 15 Limitations of Coverage for Certified Acts of Terrorism"></span><span id="BP 05 27 01 15 Limitations of Coverage for Certified Acts of Terrorism"></span><span id="BP 05 41 01 15 Exclusion of Certified Acts of Terrorism and Exclusion of Other Acts of Terrorism Committed Outside the United States"></span><span id="BP 05 47 08 24 Computer Fraud and Funds Transfer Fraud"></span><span id="BP 05 66 01 15 Conditional Limitation of Coverage for Terrorism – Sub-Limit on Annual Aggregate Basis (Relating to Disposition of Federal Terrorism Risk Insurance Act)"></span></div>

A temporary change in submitting questions.

<div class="cms-textAlign-left">This article describes the endorsements to the ISO Businessowners Coverage Form in category 04, additional coverage endorsements.</div>

A breakdown of hurricane categories and wind speeds.