Umbrella & Excess
Adds limits above your general liability, auto and employer’s liability when a claim exceeds them.
What it covers
Additional limits over primary policies
Broader coverage on some claims
Protection against severe or catastrophic verdicts
Contract-required limits
Who needs it
Businesses with meaningful assets, fleets, public exposure or contract requirements.
How TriStone handles it
We review your current program, market it to the right carriers and walk you through the options: what it covers, why, and what it costs.
The coverage picture
Where Umbrella & Excess fits in your program.
Liability tower
Sits over
Covered
Additional limits over primary policies
Broader coverage on some claims
Protection against severe or catastrophic verdicts
Contract-required limits
Common add-ons
Higher excess layers
Follow-form wording
Drop-down over exhausted aggregates
Foreign liability
Not covered here
Property damage to your own assets
Professional errors unless scheduled
Cyber and D&O unless scheduled
Anything excluded by the underlying policies
These summaries are general and for illustration only. Coverage, limits, exclusions and availability vary by carrier, policy form and state, and all coverage is subject to underwriting approval. The terms of your issued policy always govern.
Often paired with
General Liability
Covers claims that your operations caused bodily injury or property damage to others.
Commercial Auto & Fleet
Covers vehicles your business owns, leases or uses, and the people who drive them.
Workers’ Compensation
Pays medical costs and lost wages when employees are hurt on the job, and protects the business from related suits.
Where this matters most
The industries that most often need this coverage.
HVAC & Mechanical Contractors
Programs for HVAC, plumbing and mechanical contractors, built around service calls, new installs and the contracts behind them.
Oilfield Services
Programs for oilfield service companies, built around MSA requirements, crews in the field and equipment moving between sites.
Manufacturing
Protection for plants, product lines and the supply chains behind them.
Construction & Contractors
Programs for general and trade contractors, built around contract requirements and jobsite risk.
Towing, Auto Service & Local Fleets
Programs for tow operators, repair and service shops, and the local fleets that keep a route running.
Real Estate & Property Management
Coverage for owners, investors and managers across single assets and portfolios.
Hospitality & Restaurants
Protection for restaurants, bars, hotels and venues where guests are the business.
Nonprofits & Ministries
Coverage for churches, ministries and nonprofits serving their communities.
Review your Umbrella & Excess program with the team.
Request a coverage review