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Umbrella / Excess Insurance Products

Compare 70 products offered for Umbrella / Excess Insurance from 37 companies including Focus, Sompo International, and Victor Insurance.

Our Insurance Comparison Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading providers. Need more info? Our Frequently Asked Questions can explain Umbrella and Excess cover in greater detail.

Compare Umbrella / Excess Insurance Policies

Products 21 to 30 of 70
Product name Max Coverage Min Premium Exclusions
Excess Casualty by StarStone Underwriting Ltd Max Coverage US$25M Min Premium N/A
  • blood banks
  • demolition contractors
  • healthcare / medical malpractice
  • invasive medical products
  • pharmaceutical, bio-tech and nutraceutical

more details
Combined Liability by Touchstone Underwriting Ltd Max Coverage GBP10M Min Premium N/A
  • specific types of loss or damage (see specific policy wording)

more details
Excess Loss PL / Products and EL by Focus Max Coverage GBP20M Min Premium N/A

more details
Contractors Excess Loss by Focus Max Coverage GBP20M Min Premium GBP450

more details
Excess Elite by AIG Max Coverage GBP70M Min Premium GBP375

more details
D&O Guardian by AIG Max Coverage US$100M Min Premium N/A

more details
Excess Casualty by Aspen Managing Agency Ltd Max Coverage US$50M Min Premium N/A

more details
Excess Liability by AXA XL Max Coverage US$100M Min Premium N/A

more details
Jewellery by AXA XL Max Coverage N/A Min Premium N/A

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Property Treaty by Neon Underwriting Max Coverage US$30M Min Premium N/A

more details

Frequently Asked Questions

(click to expand)

What Is Umbrella/Excess Insurance?

Umbrella and Excess Insurance – also known as Umbrella Liability and Excess Liability – are types of liability insurance bought as an addition to the coverage limits of an existing insurance policy.

By purchasing Umbrella/Excess insurance, the policyholder is able to claim additional amounts if the limits of the existing coverage are insufficient.

What Is The Difference Between Excess and Umbrella Insurance?

Excess insurance provides extra coverage if the policyholder needs to claim an amount in excess of their existing policy. Once the underlying primary policy is exhausted the Excess insurance will provide further cover up to an agreed limit.

Umbrella insurance provides extra coverage across one or more primary polices. The range of coverage is also broader in an Umbrella insurance policy which can provide additional protection against some claims not covered by the underlying polices as well as not including their exclusions.

Who Is Umbrella/Excess Insurance For?

Umbrella/Excess insurance can be bought by:
  • commercial companies requiring excess limits (particularly SMEs or those working with high net-worth individuals or companies prone to lawsuits)
  • personal clients who require additional limits for their home and/or auto insurance policies

What Does Umbrella/Excess Insurance Cover?

Umbrella insurance extends the cover of existing underlying policies. In other words, if an additional claim needs to be made that goes outside of the primary policy’s limit, Umbrella insurance will cover this.

Excess insurance will provide additional coverage limits on top of an existing insurance policy.

How Is Umbrella/Excess Insurance Sold?

Umbrella/Excess insurance policies can be added to the following insurance products:
  • Commercial General Liability
  • Employers’ Liability
  • Home
  • Auto

What Can’t Umbrella/Excess Insurance Be Added To?

Umbrella/Excess insurance cannot be added to the following:
  • Professional Liability
  • Property Damage
  • Cyber

How Much Is Umbrella/Excess Insurance?

Umbrella/Excess insurance is usually sold in incremental amounts but rates vary from carrier to carrier. The additional coverage limits will depend on the assets and exposures of the client.