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Excess Liability/Umbrella Insurance

complete preparedness for whatever occurs

Umbrella or excess liability insurance helps protect your business from mistakes, accidents, or other unforeseeable incidents that can be financially devastating.  You may be a successful business owner, but the unexpected can still create problems, whether they’re with employees, customers, or others.  That’s why insurance coverage that goes beyond a business owners policy (BOP) or your existing policy can be necessary. It ensures that your business grows and stays successful no matter what.  

Umbrella or excess liability insurance kicks in when a claim is made against you that exceeds the amount of your existing liability coverage. This insurance provides a safety net when your other business coverage has been exhausted.  This extra coverage is the difference between your business’s survival and its demise, in some cases.

added security and continued peace of mind

An umbrella liability policy from HIG Risk Solutions gives you additional protection in the event that damages exceed liability coverage present in your standard policy or policies. It also offers additional security that keeps your business protected under circumstances in which your basic insurance is not effective.

Events to which personal umbrella insurance can be applied include:

  • Car Accidents
  • Accidental injuries on your property
  • Accidents involving your boat, ATV, or other recreational vehicle
  • Golf Course Injuries
  • Defense fees and other legal costs
  • Personal Injury Coverage for claims of libel, slander, and more

We are committed to your safety and security and to the wellbeing of your family.  This is why we work with you to create a policy that completely protects your interests.  It’s important to discuss your options with one of our insurance specialists before making a decision because personal umbrella insurance varies depending on one’s individual coverage needs. We’re ready to discuss any possibilities and coverage policy options with you.



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