Excess Liability
Umbrella liability for the practice.
Underlying policies have ceilings. An umbrella provides an extra $1M–$25M of liability protection over the top of your practice, workers' comp and hired auto — and often plugs coverage gaps your primaries don't cover at all.
Overview
What this coverage does
A single premises claim, dog-bite in the reception area or auto accident by a staff member can breach a $1M primary limit quickly. An umbrella is the least expensive dollar-per-dollar liability protection available and should sit on every practice program.
Who this is for
- Any practice carrying $1M primary limits
- Practices leasing space in a high-traffic building
- Practices with employee driving exposure
- Multi-location groups needing per-location aggregate reset
- Owners with significant personal net worth exposure
What's included
Key features & endorsements
- Limits from $1M to $25M
- Excess of your general liability, hired auto and employers' liability
- Drop-down coverage for certain uninsured exposures
- Additional insured status flowed through the underlying
- Defense in addition to limits on most forms
- Available stand-alone or bundled with a BOP
Related coverage
Round out the program
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