Excess General Liability
Additional limits above your GL when a third-party injury or damage claim runs high.
Independent Insurance · Est. 1959
When a Claim Exceeds Your Limits, What Happens Next?
A single severe injury or auto accident can blow through a $1M primary limit and reach business assets. A commercial umbrella adds excess limits above your existing liability policies — often for a fraction of what the underlying coverage costs.
Serving clients since 195940+ carriersLicensed nationwide
Get My Insurance Options
Tell us a little about your business. A licensed insurance advisor will review your needs and contact you to discuss your options.
Commercial Umbrella / Excess
What a commercial umbrella covers.
Additional limits that sit above the liability policies you already carry.
Excess Commercial Auto
Extra protection above your auto liability — where severity most often exceeds primary limits.
Excess Employer's Liability
Additional limits above the employer's liability portion of your workers' compensation policy.
Defense Beyond Primary Limits
Continued defense funding once an underlying policy has been exhausted.
Contract Compliance
Meets the higher combined limits landlords, municipalities, and large clients require.
Asset Protection
Puts insurance dollars, not company assets, between you and a catastrophic verdict.
Usually the cheapest limit you can buy. Excess layers price far below primary coverage. Going from $1M to $3M or $5M is often a modest annual cost relative to the exposure it removes.
Family-owned since
1959
Why Mayer & Steinberg
Boutique service. Institutional reach.
Independent agency
We answer to you — not a single carrier.
40+ carrier network
Real market access for real competitive pricing.
Competitive pricing
Side-by-side quote comparisons, every renewal.
Personalized guidance
A dedicated advisor — not a call center.
Long-standing reputation
Serving businesses and families since 1959.
Process
From first call to bound coverage.
A streamlined process designed around your time, not ours.
- 01
Submit Review
Share a few details about your business in just a few minutes.
- 02
Discuss risks
A licensed advisor walks through your exposure and gaps.
- 03
Compare Coverage Options
We review coverage options from leading insurance carriers and present the solutions that best fit your business.
- 04
Get coverage
Bind the right policy, with ongoing support at renewal.
Clients
Trusted by growing businesses.
"A new client contract required $5M. They layered it and had certificates out the same week."
Greg H.
CFO, Facilities Services
"The added limit cost less than we expected once they compared carriers. Easy decision."
Priya N.
Owner, Logistics Company
What our umbrella review covers.
- Underlying limit requirements verified so the umbrella can't fail to attach
- Contract and lease insurance clauses read and matched to real limits
- Layered excess quoted when a single carrier won't write the full limit
- Auto, GL, and employer's liability scheduled correctly as underlying policies
- Multiple carrier options compared side by side on price and form
- Renewal review each year as revenue, payroll, and fleet size change
FAQ
Commercial umbrella questions we hear most.
How does an umbrella policy actually work?
It pays after an underlying policy — general liability, commercial auto, or employer's liability — is exhausted by a covered claim. The umbrella then continues paying up to its own limit.
How much umbrella coverage should we carry?
It depends on assets, revenue, fleet size, and contract requirements. Many small and mid-size businesses carry $1M to $5M; contractors and businesses with vehicles often need more.
Do I have to keep specific underlying limits?
Yes. The umbrella requires scheduled underlying limits, commonly $1M per occurrence on GL and auto. If a primary limit drops below the requirement, the gap falls on you — we monitor that at renewal.
Does an umbrella cover professional liability or cyber?
Usually not by default. E&O and cyber typically require the umbrella to specifically schedule them, and many forms exclude both. We confirm the form rather than assume.
Is excess liability the same as umbrella?
They're close. Umbrella can be slightly broader than the underlying coverage in limited situations, while excess follows the primary form exactly. We compare both when pricing your layer.
Get My Insurance Options
Tell us a little about your business. A licensed insurance advisor will review your needs and contact you to discuss your options.
Serving clients since 195940+ carriersLicensed nationwide