Excess Liability Insurance

Extra liability protection for your business

A major claim can exceed the limits of a primary liability policy. Excess liability insurance can provide an additional layer of limits above specified underlying policies for covered claims. Santoro Insurance helps businesses in Lake Mary and throughout Florida compare options that fit their operations and insurance requirements.

How excess liability coverage works

An excess policy responds when the applicable underlying limits have been exhausted as required by its terms. It is designed to add limits above the policies listed in its schedule, rather than replace your primary insurance.

• Higher liability limits: Additional protection for qualifying claims that exceed the applicable primary limits.
• Coverage over specified policies: Depending on the policy, excess limits may apply above commercial general liability, commercial auto liability or employers liability.
• Contract requirements: Higher limits may help meet insurance requirements for certain clients, leases or projects.

Review the details before choosing coverage

Excess liability and commercial umbrella policies are not always interchangeable. Coverage, exclusions, defense provisions and underlying insurance requirements can differ. Tell us about your operations, existing policies and required limits so we can help you review available options. All coverage is subject to the policy terms, conditions and exclusions.

Explore all commercial insurance coverage