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Commercial Excess Liability Coverage

Choose the agent who knows the policy that’s right for you.

IS YOUR BUSINESS'S EXCESS LIABILITY COVERAGE EXCESSIVE?

A commercial excess liability policy provides liability coverage when an underlying liability policy has reached its limits. 

For example, let’s say you have $1 million dollars of liability coverage on your commercial auto policy, but you severely injure someone in an accident. Let’s also assume the settlement is $1.5 million dollars. 

Without an excess liability policy, you would have to pay the $500,000 difference. With the proper excess liability insurance, the difference would be covered by the policy.

This policy works much like a personal umbrella policy. It extends the coverage of your commercial liability and commercial auto.

But don’t get caught up in the language. Umbrella and excess liability policies are essentially the same thing. The important take away here is that a personal umbrella may not extend to commercial claims and vise versa. 

Bottom line? Make sure you’re covered for every reasonable possibility. We can help you figure out what’s reasonable coverage for you and how to get the absolute best price for it.

Premier Partners

Is Your Insurance Right for You?

Call us at 513-943-4560 or 866-238-7747 toll free. Or fill out this form to schedule your free, no-obligation assessment. 

Premier Partners

Premier Benefits

Finding insurance is hard, tedious work. It’s bad enough that you’ll be on everyone’s email list after filling out your personal information multiple times. Even worse is having to pour through and understand the gobbledygook written by corporate lawyers. And how do you compare apples to oranges? Premier Insurance Services is here to help. Just give us your information once. We’ll compare prices, benefits, services, and the best fit across multiple companies. We do all the work. You get the best possible price and fit.

Do you know the big difference between captive and independent agents? Captive agents have limited options; they can only offer you their own plans, whether they’re a good match or not. Premier is an independent agency. We have relationships with dozens of carriers who have access to hundreds of policies. With Premier, nearly the entire insurance industry is available to you. We’re the right choice, because we give you the most choices. Let our 25 years of building relationships work for you. 

You might be asking, “What the heck is value-based pricing?” Good question. Is it getting the most features for the price… or the best reputation for the price… or maybe its getting faster service, more locations, or unique options. What we mean by it is this: you will get the right coverage at the best price. No more, no less. And with that comes the peace of mind in knowing you’ll be made whole if anything should happen. That’s value-based pricing. 

We all believe we have the right coverage. But how can you be sure? It’s likely your agent gave you the best possible advice and coverage he could. But it’s just as likely that your agent wasn’t able to compare all the companies that see you as their perfect client. Insurance carriers look for certain types of risks…if you fit their particular sweet spot, they can’t be beat. If not, then you’ve been sold a cookie cutter policy that’s costing you a lot more than it should. At Premier, we will find the carrier that sees you as its sweet spot. Our reputation is built on that promise.

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