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Excess and Umbrella Liability

August 25, 2025

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Excess and Umbrella Liability
Add an extra layer of coverage.
When standard liability limits aren’t enough, Excess and Umbrella Liability provides an additional layer of financial protection. This coverage increases policy limits and steps in when claims exceed the underlying liability coverage — giving your clients peace of mind and stronger defense against large losses.
Industries and Risks We Cover
  • Garage Liability
  • Hospitality & Restaurants (Family Style and Fast Food)
  • Food Processing
  • Trades & General Contractors (including select residential)
  • Entertainment & Recreation
  • Real Estate & Property Management
  • Manufacturing & Service Operations
  • Contractors: Drywall, Electrical, Flooring, Carpentry, Concrete, Landscaping, Tenant Improvement, Artisan, and more
  • Salons & Day Spas
  • Apartment Buildings, Condominiums, and Townhomes
  • Vacant Buildings
  • Retail
  • Automobile Repair & Service Shops
  • Warehouses
  • …and many more classes
Why It Matters
 Excess & Umbrella Liability helps safeguard clients against high-severity losses that could otherwise threaten their business. By building protection beyond the primary policy limits, you provide clients with cost-effective coverage for today’s evolving risks.
 
Contact your Southern General  Underwriter Today!
 
If you're not appointed with SGA, go HERE to get appointed.

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