Why it matters
Bigger jobs demand bigger limits
Larger general contractors, municipalities, and public works projects routinely require $2M, $5M, even $10M in liability limits — more than a standard General Liability policy provides on its own. An Excess or Umbrella policy sits over your GL, Commercial Auto, and employer’s liability, and kicks in when a claim exhausts the underlying limit.
It’s the difference between bidding the bigger job and passing on it. And because excess coverage rides on top of policies you already carry, each additional million typically costs far less than the first.
What it covers
- Extra limits over GL — catastrophic bodily injury and property damage claims
- Extra limits over auto — serious vehicle accidents that blow past your auto liability
- Extra limits over employer’s liability — workplace-injury lawsuits beyond the WC policy
- Contract compliance — meet the $2M–$10M+ requirements on larger and public projects
- Defense costs — continued legal defense after underlying limits are exhausted
- Per-project options — structures that satisfy project-specific requirements