Excess / Umbrella Liability

Excess and umbrella policies provide additional liability limits above the primary commercial auto, general liability, and employer's liability policies. They're commonly required by shipper or contractor agreements that demand $5,000,000 or $10,000,000 of liability — which the primary policies can't reach alone. Umbrella policies typically drop down to fill gaps in primary coverage; excess policies are layer-only and don't drop down.