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Excess/Umbrella

At Burns & Wilcox, we understand how important it is to your clients to protect the assets they have worked so hard to build. While most insurance policies provide adequate coverage, there are special situations where additional protection is needed. Primary insurance will cover most liabilities, but excess liability or umbrella coverage can ensure that your clients are able to obtain the necessary level or coverage they require.

Whether for a construction site, manufacturer or special one-time event, Burns & Wilcox can provide access to the extra limits that may be required. Coupled with our extremely fast submission response time and low minimum premiums, Burns & Wilcox is a leading provider of excess liability and umbrella coverage.

Burns & Wilcox offers Umbrella/Excess Coverage for more than 600 business classes including:

  • Construction
  • Institutional
  • Manufacturing
  • Mercantile
  • Recreational
  • Service
  • Special Events
  • And more

Coverage Details and Features

  • Umbrella/excess limits to meet all the needs of your insureds
  • Limits up to $50M available
  • Underlying policies require limits of $1M occurrence
  • Premiums as low as $1,000
  • Coverage offered for supported and unsupported businesses

Target Classes

Ask an Expert

Can you clarify the difference between excess and umbrella coverages? I thought they were the same.
Umbrella and excess liability are often confused, or lumped together, because both coverages provide protection beyond primary, scheduled underlying policies. Typically, excess liability coverage provides increased limits on top of one underlying scheduled policy and literally “follows the form” of that primary policy. After primary coverages have been paid, excess liability coverage may also pay defense costs. Also, there is no self-insured retention. On the other hand, the umbrella policy provides coverage with increased liability limits over the firm’s primary liability coverages such as general liability, business auto liability and employer’s liability. Umbrella policies may also offer broader coverage and generally more comprehensive protection. After primary liability coverages have been paid, clients may also use their umbrella policy to pay for defense costs. Also, there is a self-insured retention, which only applies if the primary policies deny coverage and there is no applicable umbrella exclusion.
Why does my client need excess liability and umbrella insurance?
Clients are more likely to face litigation than ever before – it’s estimated that 92 percent of companies expect litigation cases to significantly rise within the next three years. Your clients need to be prepared and protected. Excess liability and umbrella policies provide more complete protection for their assets, at a fraction of the cost of some primary policies.
How can I ‘sell’ the idea of excess liability and umbrella coverage to a client?
Ask your client, point blank: how much are they willing to lose? The more they have, the more they have to lose, and the more coverage they’ll need. We hear too many cautionary tales about clients experiencing a tragic accident, which may cause uninsured losses beyond their liability policy. Liability accidents may happen from very unusual circumstances and you do not know how large the liability loss will be. Umbrella and excess liability coverage can save your client from bankruptcy and protect them from unexpected events that may cause financial ruin.

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.

$11,300

Adhesives manufacturer. Excess with $2M limits

$7,656

Tradeshow general contractor. Excess with $5M limits

$13,609

Excavation contractor. Excess with $10M limits

$11,953

Restaurant. Excess with $4M limits

$15,865

Electrical contractor. Excess with $5M limits

$22,937

Steel fabrication company. Umbrella with $10M limits

$13,078

Machine shop. Umbrella with $10M limits

$9,985

Machinery and equipment analysis contractor. Umbrella with $5M limits

$7,920

Trucker. Excess with $2M limits

$13,683

Cattle ranch. Excess with $10M limits

$41,560

Gas station/convenience store. Excess with $10M limits

$5,000

Apartment building. Excess with $5M limits

$4,650

Service station maintenance and repair contractor. Excess with $4M limits

$4,000

Commercial electrical contractor. Excess with $4M limits

$12,864

Event contractor. Umbrella with $10M limits

$3,000

Garbage hauler. Excess with $3M limits

$6,975

Landscape contractor. Umbrella with $4M limits

$35,000

Commercial roofer and installation contractor. Excess with $5M limits

Excess/Umbrella: Applications

Please choose the application that best fits your needs.

If you need additional assistance please contact your local office.

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