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Excess Liability Insurance VS Commercial Umbrella Insurance?

What is the difference between Excess liability insurance and Commercial Umbrella Insurance?

The two coverages are often confused, but there are important distinctions between the two...

  • Umbrella insurance provides higher coverage limits for your primary policies in addition to covering exposure gaps in those policies.

  • Excess liability insurance serves as an extra layer of protection for losses in excess of your primary and umbrella policy limits but does not provide broader coverage beyond those underlying policies.

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