Amelia Risk vs Gallagher Umbrella and Excess Liability Insurance

Amelia Risk arranges umbrella and excess liability as part of its general liability practice; its policies hub groups the two under one 'General Liability & Umbrella' catalogue card rather than listing umbrella as a standalone product. ⁵Company-reported. Policies hub as read on 2026-09-23. Describes how the firm catalogues the line, not a specific insurer or program.

Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. ¹²Company-reported. Group-level casualty practice page.

Not described in the reviewed sources.

The casualty practice page does not name the insurer that would issue a given client's umbrella or excess policy. ¹²Not publicly disclosed. Checked the group-level casualty practice page.

Amelia Risk lists Umbrella Liability among the policies it says startup clients should consider, alongside other liability lines in its startup catalogue. ⁶Company-reported. Startups specialty page as read on 2026-09-23. Describes a marketed audience, not an underwriting eligibility rule or a stated minimum for underlying limits.

The casualty practice page does not name a target industry, size or minimum premium for umbrella/excess placements; it describes the practice generally as serving clients with a broader casualty program. ¹²Not publicly disclosed. Checked the group-level casualty practice page on 2026-09-23.

Amelia Risk describes an umbrella policy as one that increases the limits of a client's underlying scheduled liability policies, and notes that in some cases the product placed is technically an excess policy rather than an umbrella policy. ⁴Company-reported. General Liability page's umbrella subsection. A plain-language description of how the firm frames the product, not a specimen form or list of which underlying policies must be scheduled.

Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. ¹²Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement.

The reviewed pages do not publish umbrella or excess limit amounts, attachment points or required underlying limits; Amelia Risk's description stays at the level of the product's general purpose. ^4,5Not publicly disclosed. General Liability page and policies hub as read on 2026-09-23. A checked gap, not a statement that no limit options exist.

The casualty practice page does not publish specific umbrella/excess limits, attachment points or premium ranges; it says program structure, coverage, limits and pricing are designed to fit the client's current and future needs. ¹²Not publicly disclosed. Checked the group-level casualty practice page.

Not described in the reviewed sources.

Gallagher describes pre-renewal meetings with a client's finance, HR, operations and risk-management stakeholders, a gap analysis and contract/form review to close coverage gaps between policies, and a dedicated claims and loss-control advocacy group that reviews legacy loss information to build claim-mitigation and loss-prevention programs. ¹²Company-reported. Group-level casualty practice page; described at the practice level across all casualty lines, not exclusively for umbrella/excess.

Amelia Risk applies its general four-step brokerage process to an umbrella or excess request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ²Company-reported. Specialties page process description, which applies across the firm's lines rather than describing an umbrella-specific intake form.

Not described in the reviewed sources.