Umbrella or Excess Liability insurance provides coverage for your company against disastrous and high-impact risks that could put you out of business. Similar to a personal umbrella insurance policy, excess liability insurance policies for businesses behave like an umbrella to your standard liability insurance. Excess liability coverage takes effect in a situation where the dollar amount of your basic liability coverage is exceeded by a claim made against your business. In this manner, umbrella liability insurance keeps you guarded against the potentially disastrous consequences of a scenario such as in which our other business liability coverage has been exhausted.