Compare Umbrella and Excess Liability Insurance Quotes

Compare umbrella and excess liability insurance quotes with Spot

An umbrella quote only works if it sits properly above your other policies, so Spot checks the underlying schedule before you compare limits.

Compare quotes from 35+ umbrella and excess liability insurance providers

Get StartedHow It Works

Underlying policies and limits checked against your program
Attachment and exclusion differences made visible
Keep your broker or switch, with no commissions on premiums

A project manager on a jobsite looks up at a steel building frame.

How it works

Send your liability schedule

Share the limits and named insureds on your general liability, auto and employers liability policies, plus the contracts that require higher limits.

Alder BuildersOrganized by Spot

We check each layer’s foundation

Spot confirms which policies each quote requires underneath, at what limits, and whether your actual policies satisfy them.

Umbrella and excess liability insurance

Alder Builders · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Ask where it attaches

Message your Spot team about when each layer begins to pay and what it does when an underlying policy doesn’t respond.

# spot-support

MorganAlder Builders

Can you help compare our umbrella and excess liability insurance options?

RileySpot

Let’s prepare the information for your broker and compare the terms, not just the price.

Choose and bind

Select the quote that meets your contracts and fits your underlying policies. Your Spot team helps you bind and prepares the certificate your customer asked for.

What to compare

01
Underlying schedule
Which policies and limits must sit beneath the layer. Yours need to match.
02
Attachment
Whether the layer attaches after a single occurrence limit, an aggregate or another stated threshold.
03
Response without underlying
Whether it can respond when an underlying policy doesn’t, and what retention applies in that case.
04
Auto and trucking liability
Whether your commercial auto or trucking liability policy is listed as underlying insurance.
05
Specialty exclusions
Whether employment practices, professional liability, product recall and similar exposures are included or excluded.
06
Extra coverage over underlying
What claims the layer covers that the policies underneath do not, so you see what the extra premium adds beyond more limit.
07
Contract-required limits
How the total limit compares with what your contracts require, and the underlying limits those contracts assume.

Differences to watch for

01
Auto left out of the schedule
If auto isn’t scheduled as underlying, a vehicle claim may not reach the extra limits.
02
Underlying limits that don’t match
A policy below the stated minimum can leave a gap before the layer begins.
03
Exclusions for specialty exposures
An umbrella that excludes product recall or professional claims won’t substitute for those policies.
04
Named insureds that differ
If the layer names different parties than your primary policies, protection may not line up.