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At Burns & Wilcox, we understand how important it is to your clients to protect the assets they have worked so hard to build. Primary insurance is often adequate but can be eroded or completely exhausted with a single catastrophic loss. Excess/Umbrella Coverage is designed to ensure that your clients have an additional layer of protection so a single disastrous loss does not end their business.

Whether for a construction site, manufacturer or special one-time event, Burns & Wilcox can provide access to additional limits with excess liability and umbrella coverage for more than 600 business classes.

Coverage Details and Features

  • Limits up to $50M available
  • Underlying policies require limits of $1M occurrence
  • Premiums as low as $1,000
  • Admitted paper available depending on location and class
  • Brokerage markets available

Target Classes

(including but not limited to)

Ask an Expert

Can you clarify the difference between excess and umbrella coverages? I thought they were the same.
Umbrella and excess liability are often confused, or lumped together, because both coverages provide protection beyond primary, scheduled underlying policies. Typically, excess liability coverage provides increased limits on top of one underlying scheduled policy and literally “follows the form” of that primary policy. After primary coverages have been paid, excess liability coverage may also pay defense costs. Also, there is no self-insured retention. On the other hand, the umbrella policy provides coverage with increased liability limits over the firm’s primary liability coverages such as general liability, business auto liability and employer’s liability. Umbrella policies may also offer broader coverage and generally more comprehensive protection. After primary liability coverages have been paid, clients may also use their umbrella policy to pay for defense costs. Also, there is a self-insured retention, which only applies if the primary policies deny coverage and there is no applicable umbrella exclusion.
Why does my client need excess liability and umbrella insurance?
Clients are more likely to face litigation than ever before – it’s estimated that 92 percent of companies expect litigation cases to significantly rise within the next three years. Your clients need to be prepared and protected. Excess liability and umbrella policies provide more complete protection for their assets, at a fraction of the cost of some primary policies.
How can I ‘sell’ the idea of excess liability and umbrella coverage to a client?
Ask your client, point blank: how much are they willing to lose? The more they have, the more they have to lose, and the more coverage they’ll need. We hear too many cautionary tales about clients experiencing a tragic accident, which may cause uninsured losses beyond their liability policy. Liability accidents may happen from very unusual circumstances and you do not know how large the liability loss will be. Umbrella and excess liability coverage can save your client from bankruptcy and protect them from unexpected events that may cause financial ruin.


Pipeline construction, $9M limits


Commercial/Industrial plumbing


Adhesives manufacturer. Excess with $2M limits


Tradeshow general contractor. Excess with $5M limits


Excavation contractor. Excess with $10M limits


Restaurant. Excess with $4M limits


Electrical contractor. Excess with $5M limits


Steel fabrication company. Umbrella with $10M limits


Machine shop. Umbrella with $10M limits


Machinery and equipment analysis contractor. Umbrella with $5M limits


Trucker. Excess with $2M limits


Cattle ranch. Excess with $10M limits


Gas station/convenience store. Excess with $10M limits


Apartment building. Excess with $5M limits

Excess/Umbrella: Applications

Please choose the application that best fits your needs.

If you need additional assistance please contact your local office.

Office Locations