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Do you need an Excess Policy or an Umbrella Policy? What’s the difference?

Generally, an Excess Policy is a policy that increases the limits of your primary coverage policy, e.g., as in your General Liability policy. This doesn’t necessarily add any coverage not already present on the underlying policy.

Generally, an Umbrella Policy is a policy that extends the limits AND coverage of multiple underlying policies, such as General Liability, Commercial Auto, and Employer Liability Limits (as found on your California Workers Comp policy, e.g.).

When your client requires an Excess or Umbrella policy, make sure to find out which policy or policies they want the coverage over.