Amelia Risk vs HUB International 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.

HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ¹⁰Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Not described in the reviewed sources.

The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. ¹⁰Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there.

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.

HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ¹⁰Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.

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.

HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ¹⁰Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

The reviewed pages do not publish umbrella or excess limit amounts, attachment points or required underlying limits; Amelia Risk's description stays at the level of the product's general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.

Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. ¹⁰Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. ¹⁰Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail.

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.