SWG CGL – Excess and Umbrella

Oct 2023


Excess Liability will provide additional limits when your current CGL policy limits have been exhausted.

  • Excess and Umbrella Liability can be applied to multiple underlying liability policies, such as General Liability policy, E&O Policy, Automobile Liability, and many more

Umbrella Liability, however, will go above and beyond Excess Liability. Providing additional protection by:

  • Drop down when an underlying policy’s aggregate limits are exhausted
  • Cover claims not included by the underlying policies

For an Umbrella policy to cover claims beyond those covered in the underlying policy, your client would be required 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 liability for insured contracts
  • Cross-liability and Severability
  • Excess of Contingent employer’s liability
  • Product Completed Operations coverage (Broad Form)
  • Excess and Umbrella follow a form of underlying policy(ies)
  • Our policies can offer excess 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) however would not cover any claims that would be excluded from the underlying policy.
  • Umbrella Policies have a standard SIR of $10,000 but can provide coverage not included by the underlying policy.
  • Coverage can be provided for sales Worldwide, including U.S. (subject to Sanction Limitations)
  • Drop-down to submit on offer and accept basis

We Can Cover:

  • Landscapers/Gardening for others, including Fertilizer, Pesticide or Herbicide applications.
  • Roofing Contractors (including hot, torch-on)
  • Snow removal exposure.
  • Pet Care and Product Sales, Wholesale, Manufacturing
  • Farmers a/o Antique Markets
  • Mobile Food Vendors and Take-out and Family Restaurants *Liquor exposure under Hospitality only*
  • Natural Beauty Product Sales, Wholesale or Manufacturing.
  • Beauticians /Barber Shops
  • Acupuncture
  • Homeopathy
  • Contractors
  • Cosmetics
  • Beauty and Therapies (excluding Tanning Booths)
  • Manufacturers (including but not limited to Plastics, Electronics, E-bikes and more)
  • Processors
  • Plumbers
  • 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 this.