Extra Protection When It Matters Most
In today’s risk-heavy business environment, standard liability limits may not always be enough. Commercial Umbrella / Excess Insurance provides an additional layer of financial protection when claims exceed the limits of your primary policies.
At James Econn & Co., we help businesses strengthen their liability protection with umbrella coverage designed to safeguard assets, reputation, and long-term stability.
What Is Commercial Umbrella / Excess Insurance?
Commercial Umbrella Insurance offers extended liability coverage above and beyond the limits of your existing business insurance policies, such as:
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General Liability -
Commercial Auto
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Employers Liability
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Other qualifying primary policies
When a large claim exhausts your base policy limits, umbrella insurance steps in to cover the remaining costs—helping protect your business from severe financial impact.
Excess Liability Coverage
Above general liability, auto, or employer policies
Legal Defense Costs
Attorney fees and court expenses
Personal & Advertising Injury Claims
Libel, slander, or reputational harm (as applicable)
Breach of Duty Coverage
Third-Party Bodily Injury & Property Damage
Worldwide Coverage Options
Subject to policy terms
Flexible Coverage Limits
Tailored to your business risk profile
How to Get Commercial Umbrella / Excess Insurance in 4 steps
Risk & Policy
Review
Coverage Structuring
Policy Placement
Continued Advisory Support
We always help
Frequently Asked
Questions
Is umbrella insurance mandatory for businesses?
It’s not mandatory, but highly recommended for businesses with significant liability exposure.
What policies can an umbrella policy sit over?
Typically general liability, commercial auto, and employer liability policies.
How much coverage should a business carry?
Coverage depends on business size, assets, industry risks, and contracts.
Does umbrella insurance replace primary policies?
No. It supplements existing coverage after primary limits are exhausted.
Is excess insurance different from umbrella insurance?
Excess insurance increases limits on specific policies, while umbrella coverage may offer broader protection.
Strengthen Your Liability Protection
(310) 295-1502
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