Umbrella & Excess Coverage
Umbrella and excess insurance provide additional coverage to protect against significant losses that exceed the limits of your primary insurance policies. While excess insurance increases the limits of an existing policy, umbrella insurance offers broader coverage that can extend across multiple policies.
What Is Excess Insurance?
Enhancing Coverage Limits on Primary Policies
Increased Limits
Boosts the coverage amounts on your primary policy to handle significant claims.
Policy-Specific Coverage
Applies to a single underlying policy, such as general liability or commercial auto.
Financial Security
Protects your business from unexpected, high-cost liabilities.
Protect Your Business Today
Ensure your business is fully protected with umbrella and excess insurance. Our team will help you find the best solutions to meet your coverage needs.
What Is Umbrella Insurance?
Broad Protection Across Multiple Policies
Umbrella insurance provides expanded coverage that extends across several policies, offering broader protection against a wide range of risks:
- Covers Multiple Policies: Works with general liability, auto liability, and more to fill coverage gaps.
- Protects Against Major Claims: Offers additional protection beyond primary policy limits for large-scale incidents.
- Broader Coverage: Includes some claims not covered by primary policies, offering more comprehensive protection.
Meet Robert J. Kelly, CAWC
Your Expert in Commercial Insurance
Robert J. Kelly, CAWC Leads the Arroyo-South Bay Commercial Insurance Brokerage (Workers Comp, Commercial Property, General/Product Liability, Commercial Auto, Cyber Risk, EPLI/D&O, Pollution Liability, Professional Liability and more and serves a variety of industries such as real estate, hospitality and restaurants, construction, technology, manufacturing, entertainment, trucking, breweries and wineries, and environmental to name a few.
Client Services
Customized Insurance for Every Need
From business and personal insurance to employee benefits and private client services, Arroyo South Bay provides precision solutions to protect what matters most.
