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Umbrella / Excess Insurance Products

Compare 70 products offered for Umbrella / Excess Insurance from 37 companies including Coast Underwriting Ltd, Policy Excess Limited, and Hamilton Underwriting Ltd.

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 1 to 10 of 70
Product name Max Coverage Min Premium Exclusions
High Risk Liability by Focus Max Coverage GBP10M Min Premium N/A


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Buildings and Property by Focus Max Coverage N/A Min Premium N/A


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Directors’ and Officers’ Liability by Ironshore Max Coverage N/A Min Premium N/A


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1-4 Vehicles by M R Ratcliffe Consultants Ltd Max Coverage N/A Min Premium N/A


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Excess Liability by Sutton Special Risks Ltd Max Coverage GBP100M Min Premium GBP400


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Automotive Components Product Recall by AXA XL Max Coverage GBP75M Min Premium GBP25K


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Narrowboat by Towergate Insurance Max Coverage GBP100K Min Premium N/A


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Trade Association by Touchstone Underwriting Ltd Max Coverage GBP30M Min Premium GBP5K
  • specific types of loss or damage (see specific policy wording)


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Excess Layer PL by Thistle Underwriting Max Coverage GBP20M Min Premium N/A


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Land Owners Liability by Thames Underwriting Ltd Max Coverage GBP5M Min Premium N/A


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Frequently Asked Questions

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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.