Umbrella & Excess Liability

Service Description

Serious operations face serious risk. Auto accidents with injuries, third-party bodily injury on a jobsite, products claims, or a high-stakes lawsuit can rocket past primary limits. Commercial Umbrella & Excess Liability from Cater Insurance Brokers extends your protection above General Liability, Commercial Auto, and Employers’ Liability—delivering additional limits (typically $1M–$10M+, higher on request) that help keep contracts moving and balance sheets intact. Who it’s for: trucking and fleets, contractors and trades, property owners/LROs, wholesalers & manufacturers, professional offices, tech & MSPs, logistics, healthcare, and more. Why it matters: contract compliance, catastrophic loss protection, improved negotiating posture with customers and lenders, and fewer sleepless nights. How it works: we “sit above” your scheduled underlying policies. When a covered claim exhausts primary limits, your umbrella/excess responds next, up to your selected limit. Typical requirements: minimum underlying limits (e.g., GL and Auto at $1M, Employers’ Liability at $500k–$1M), acceptable loss history, and scheduled entities/locations/vehicles. Not a replacement: it doesn’t fix gaps/exclusions in the underlying policy; it magnifies the limits you already have. Coverage is always subject to policy terms, conditions, and carrier underwriting.