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.

The court made their determination based on the policy language of each individual contract.

The court made their determination based on the policy language of each individual contract.

Best practices for placing commercial umbrella policies.

An overview of highlights to consider when comparing commercial umbrella policies.

Is a disagreement over the cause of an underlying suit enough for an insured's suit to survive summary judgment?

This article explores the nature of cancellation provisions in commercial umbrella liability policies, provides examples of different provisions, including short-rate cancellation, and highlights potential pitfalls.

This article explores the impaired property exclusion in commercial umbrella liability policies, its purpose, variations in wording, scope, and real-world implications, providing examples to illustrate its application.