• Please print out the appropriate application(s) above, fill-out, scan and email to:
    Please include the following information:
    First Name
    Last Name
    Broker/Company Name
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VIEW & Download Fact Sheet

Excess and Umbrella Liability

SWG CGL – Commercial General Liability insurance is designed to protect the products or services of small and large businesses. As careful as you might be, there are unforeseen events that can happen to every business. Protect your hard work with a policy that fits your needs.

Whether you’re a store owner, office professional or wholesaler, commercial general liability insurance coverages can be customized to protect you against the unique risks and exposures you face.

SWG CGL – Commercial General Liability policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts for which you might become responsible

Umbrella Insurance is a type of excess insurance. It works almost the same way as Excess Liability Insurance, except an Umbrella policy can:

  • Be applied to multiple underlying liability policies, such as General Liability policy, E&O Policy, Automobile Liability, and many more
  • Drop down when an underlying policy’s aggregate limits are exhausted
  • Cover claims not included in the underlying policies

For an Umbrella policy to cover claims beyond those covered in the underlying policy, your client needs to pay a self-insured retention (SIR). An SIR is the amount of money your client pays before the insurance company responds to the loss. For instance, let’s say your client has an Umbrella policy with a $10,000 SIR, and they make a claim that costs $100,000. Your client must pay $10,000 toward the claim, and then the insurance company will pay the rest.

Coverage Highlights:

  • Our policies include contractual liability
  • Cross liability
  • Excess of Contingent employer’s liability
  • Product Completed Operations coverage (Broad Form)
  • Excess and Umbrella are follow form of underlying policy
  • Our policies can offer excess of enhancement coverage to include, Faulty Workmanship, Product Recall coverage, Employee Benefit, Employer’s Comprehensive Bodily Injury Liability, Sub-limits for Errors & Omissions, as well as Manufacturer’s E&O and Employment Practices Liability.
  • Limits up to $10,000,000 +
  • Excess Policies do not have an SIR (Self-Insured Retention)
  • Umbrella Policies have a standard SIR of $10,000 but can differ pending risk, revenues and area of sales.
  • Coverage can be provided for sales Worldwide; including U.S.

We Cover:

  • Landscapers/Gardening for others, including Fertilizer, Pesticide or Herbicide application.
  • Snow removal exposure on Offer and accept basis.
  • Pet Care and Product Sales, Wholesale, Manufacturing
  • Farmers a/o Antique Markets
  • Mobile Food Vendors and Take-out and Family Restaurants *excluding Liquor*
  • Natural Beauty Product Sales, Wholesale or Manufacturing.
  • Beauticians /Barber Shops
  • Acupuncture
  • Homeopathy
  • Contractors
  • Cosmetics
  • Beauty and Therapies (excluding Tanning Booths)
  • Manufacturers
  • Paintball & Laser Tag
  • Processors
  • Recycling and Sanitation
  • Remediation
  • Retailers
  • Wholesaler

Do not see what you are looking for, or have any queries, please contact one of our Liability Underwriters, who will be happy to discuss.