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Umbrella / Excess Insurance Products

Compare 70 products offered for Umbrella / Excess Insurance from 37 companies including Pen Underwriting, Coast Underwriting Ltd, and Miller Insurance Services LLP.

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 41 to 50 of 70
Product name Max Coverage Min Premium Exclusions
Commercial Combined by Coast Underwriting Ltd Max Coverage GBP10M Min Premium GBP500
  • animal petting
  • asbestos
  • demolition
  • inflatable displays and bouncy castles
  • pressure waves
  • radioactive contamination
  • trampoline
  • war

more details
Contractors Indemnity by Coast Underwriting Ltd Max Coverage GBP10M Min Premium GBP750
  • asbestos
  • demolition
  • pressure waves
  • radioactive contamination
  • war

more details
Flood Excess - Residential by Policy Excess Limited Max Coverage GBP100K Min Premium N/A

more details
Flood Excess - Holiday Home by Policy Excess Limited Max Coverage GBP100K Min Premium N/A

more details
Flood Excess - Landlords by Policy Excess Limited Max Coverage GBP100K Min Premium N/A

more details
Flood Excess - Commercial by Policy Excess Limited Max Coverage GBP100K Min Premium N/A

more details
Property D&F - Lloyd's by Hamilton Underwriting Ltd Max Coverage US$5M Min Premium N/A

more details
Property Excess of Loss by Antares Managing Agency Ltd Max Coverage US$12M Min Premium N/A

more details
Excess of Loss by Allianz Max Coverage GBP50M Min Premium N/A

more details
Motor Excess Protection by UK General Insurance Ltd Max Coverage N/A Min Premium N/A
  • excesses that can be recovered from a third party

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.