Our umbrella and excess liability insurance is designed specifically to address the needs of multifamily, retail, office, industrial, self-storage, hospitality, mixed-use and other types of commercial real estate owners and operators to provide extra protection against catastrophic losses.

The umbrella policy provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims. It also drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims, and it provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).