Commercial Umbrella/Excess

Commercial Umbrella / Excess Liability claims reach the Umbrella limits in only a small percent of liability claims. However, once primary liability limits are exhausted these claims are catastrophic. The dilemma is even worse when coverage is not properly structured in advance. The “shock loss” nature of this coverage often presupposes litigation, given that at least $1,000,000 of underlying liability coverage is exhausted. Problems include claim handling disputes between the primary liability and Commercial Umbrella Liability. Potential litigation issues include follow form requirements, Impaired Aggregates, and non-compliance with contractual insurance requirements. Failure to maintain required underlying liability for General Liability Insurance, Commercial Auto Liability Insurance, Workers Compensation.

Pollution Liability has its own set of serious coverage problems. We also bring you experience with excess umbrella layers of liability above the first umbrella layer. We understand policy structure technicalities of Commercial Umbrella Liability Insurance policies. We also provide expertise regarding Personal Umbrella Insurance claim disputes.