Gallagher vs Harper Umbrella and Excess Liability Insurance

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. ⁶Company-reported. Group-level casualty practice page.

Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ⁹Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.

The casualty practice page does not name the insurer that would issue a given client's umbrella or excess policy. ⁶Not publicly disclosed. Checked the group-level casualty practice page.

Not described in the reviewed sources.

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. ⁶Not publicly disclosed. Checked the group-level casualty practice page on 2026-09-23.

Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. ⁹Company-reported. Umbrella FAQ 'Do I need an umbrella?'.

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. ⁶Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement.

Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ⁹Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify.

Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ⁹Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.

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. ⁶Not publicly disclosed. Checked the group-level casualty practice page.

Harper says each additional million in umbrella limits typically costs a fraction of the first million, and that industry and underlying limits drive price, but the reviewed page does not publish specific limit amounts, retentions or premium figures. ⁹Not publicly disclosed. Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote.

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. ⁶Company-reported. Group-level casualty practice page; described at the practice level across all casualty lines, not exclusively for umbrella/excess.

Not described in the reviewed sources.

Not described in the reviewed sources.

You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. ⁹Company-reported. Umbrella page quote form and 'Why Harper' process steps.