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Nearly 1 in 5 Canadian women and 1 in 8 Canadian men have reported workplace harassment

An energy company was found liable to pay $18 million after a man fell 20 feet through an open manhole and sustained a broken back. In another case, a restaurant chain agreed to pay $21 million to settle a lawsuit after one of its locations overserved alcohol to a man who later was involved in a fatal car crash.

Primary coverage can often be exhausted in catastrophic losses. It is imperative that your clients have additional protection to ensure that a single unusual circumstance does not lead to bankruptcy for their businesses.

Excess/Umbrella Coverage keeps your clients financially stable should a disastrous loss occur. Contact Burns & Wilcox for flexibility and competitive packages.

Coverage Details and Features

  • 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

(including but not limited to)

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.


Adhesives manufacturer. Excess with $2M limits


Tradeshow general contractor. Excess with $5M limits


Excavation contractor. Excess with $10M limits


Restaurant. Excess with $4M limits


Electrical contractor. Excess with $5M limits


Steel fabrication company. Umbrella with $10M limits


Machine shop. Umbrella with $10M limits


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


Trucker. Excess with $2M limits


Cattle ranch. Excess with $10M limits


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


Apartment building. Excess with $5M limits


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


Commercial electrical contractor. Excess with $4M limits


Event contractor. Umbrella with $10M limits


Garbage hauler. Excess with $3M limits


Landscape contractor. Umbrella with $4M limits


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

Applications for this product may vary. Please click below to find the office nearest to you for assistance.

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