EXCESS & UMBRELLA

Excess and umbrella insurance policies provide additional layers of protection and financial security beyond the limits of primary insurance coverage. Excess insurance kicks in when the primary policy's limits are exhausted, providing coverage for a specific peril or line of coverage. On the other hand, umbrella insurance provides broad coverage across multiple policies, such as auto, home, and liability, adding an extra layer of protection to each underlying policy. These policies are crucial for individuals and businesses alike, as they safeguard against unexpected and potentially devastating losses that could exceed the primary policy's limits. With excess and umbrella insurance policies, policyholders can have peace of mind knowing that their assets and financial well-being are well-protected in the face of unexpected risks and costly events.