Additional liability limits
Explore excess or umbrella liability above eligible underlying policies. Review the required primary limits and which policies are scheduled.
Business InsuranceExcess &
EXCESS & PROFESSIONAL LIABILITY
Excess &
Professional Liability.
Some businesses need higher liability limits; others need protection for the professional services they provide. Let’s review these distinct needs together.
LET’S BUILD YOUR COVERAGE
Options worth discussing.
We’ll review what applies to your situation and explain the details of the policies available to you.
Professional services
Professional liability, also called errors and omissions, can address certain allegations of negligence or errors in your services. Coverage depends on your profession and policy.
How the policies fit
Review exclusions, coverage triggers, defense provisions, and client requirements. A higher limit does not automatically cover a new exposure.
MAKE THE MOST OF YOUR REVIEW
Bring your responsibilities
and client requirements.
A little preparation helps us focus on the coverage that matters to you.
- Description of professional services and annual revenue
- Current liability policies, limits, and renewal dates
- Client contracts, requested limits, and prior claims
- Employees, qualifications, and changes in services
Are excess and professional liability the same?
No. Excess liability generally adds limits above specified underlying coverage. Professional liability addresses certain claims arising from professional services. Your business may need both.
Will excess insurance cover every gap?
No. Covered underlying policies, exclusions, and the excess policy’s terms determine how it responds. We can review how the policies fit together.
Can you help with a client’s insurance requirements?
Share the contract and a description of your services. We can discuss available coverage and limits without assuming every contractual requirement is automatically insured.
LET’S TALK INSURANCE
A better policy starts
with a conversation.
Tell us what matters to you. We’ll help you explore your options.