Umbrella and Excess Liability Quotes
Bring your current liability policies and contract requirements, and your Spot team prepares the submission brokers use to quote higher limits.
Get quotes from 35+ umbrella and excess liability insurance providers
Send the policies that would sit underneath, such as general liability, auto and employer’s liability. Your Spot team reads their limits and named insureds.
Umbrella and excess liability insurance
Alder Builders · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
We check customer and lease clauses for the higher limits they ask for, so you know how much extra you need to buy.
We work with brokers to request umbrella or excess proposals, and follow up on what each underwriter needs to see.
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MorganAlder Builders
RileySpot
Each proposal’s underlying schedule, attachment terms and named exclusions sit side by side, so you can see where a gap might open.
Insurance documents
Quote requestUmbrella and excess liability insurance
Coverage limits · Policy terms
Alder Builders
Every policy that would sit beneath the extra layer, with its limits. This becomes the underlying schedule.
So the extra layer names the same parties as the policies beneath it.
Whether your commercial auto or trucking policy is listed as underlying, if you need auto claims covered.
Customer, lease or vendor clauses that set a liability limit above what your primary policies provide.
What the business does and where, which underwriters review alongside the underlying policies.
Employment practices, professional liability, recall and similar risks, to see whether they are included or excluded.
Claims on the underlying policies, which show how often liability limits are tested.
More additional limit generally costs more.
What sits underneath, and its limits, shapes how likely the extra layer is to pay.
Work with higher injury or damage potential, including driving, raises the price.
If your vehicles are scheduled underneath, their use and driver records affect the premium.
Past liability claims can raise the price or narrow who will quote.
Get quotes from 35+ umbrella and excess liability insurance providers.
Bring your current liability policies and contract requirements, and your Spot team prepares the submission brokers use to quote higher limits.
Get StartedRead these before you choose a policy or an insurer.
