Excess/Umbrella Insurance Overview

Excess/Umbrella Insurance Overview

As we exit a soft insurance market and enter into a hard insurance market, one of the coverage areas that has been affected is the Excess/Umbrella market. Excess/Umbrella coverage is particularly hard to place for risks that are viewed as higher hazard by the insurance industry.

Several factors are driving disruption to the Excess/Umbrella insurance marketplace, including the increased frequency of litigation and larger verdicts against businesses. We’ve been working with clients to evaluate their Primary and Excess/Umbrella coverage and plan for their renewals under these challenging market conditions. Below is an infographic that explains Excess/Umbrella coverage and how to prepare for the hard insurance market.


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