---
title: "Umbrella and Excess Liability Quotes"
description: "Get umbrella and excess liability quotes with Spot: we map your underlying policies and contract limits, take one submission to market and compare attachment and gaps."
canonical: "https://spot.insure/insurance/umbrella-excess/quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance/umbrella-excess/quotes)

## Agent Guide

**What this page is:** Get umbrella and excess liability quotes with Spot: we map your underlying policies and contract limits, take one submission to market and compare attachment and gaps.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Get umbrella and excess liability quotes with Spot

Bring your current liability policies and contract requirements, and your Spot team prepares the submission brokers use to quote higher limits.

- Your underlying policies mapped before anyone quotes
- Attachment terms and exclusions compared quote by quote
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=quote&coverage=umbrella-excess&icp=construction)

## How it works

- **Gather your liability policies.** 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.
- **Add the limits your contracts require.** We check customer and lease clauses for the higher limits they ask for, so you know how much extra you need to buy.
- **Brokers take it to market.** We work with brokers to request umbrella or excess proposals, and follow up on what each underwriter needs to see.
- **Compare how each layer responds.** Each proposal’s underlying schedule, attachment terms and named exclusions sit side by side, so you can see where a gap might open.

## What you’ll need

- **Current liability policies and limits.** Every policy that would sit beneath the extra layer, with its limits. This becomes the underlying schedule.
- **Named insureds on each policy.** So the extra layer names the same parties as the policies beneath it.
- **Auto or trucking liability terms.** Whether your commercial auto or trucking policy is listed as underlying, if you need auto claims covered.
- **Contracts that require higher limits.** Customer, lease or vendor clauses that set a liability limit above what your primary policies provide.
- **Operations and exposures.** What the business does and where, which underwriters review alongside the underlying policies.
- **Specialty exposures.** Employment practices, professional liability, recall and similar risks, to see whether they are included or excluded.
- **Loss history.** Claims on the underlying policies, which show how often liability limits are tested.

## What affects your price

- **The limit you add.** More additional limit generally costs more.
- **Strength of the underlying policies.** What sits underneath, and its limits, shapes how likely the extra layer is to pay.
- **Operations and exposures.** Work with higher injury or damage potential, including driving, raises the price.
- **Auto exposure.** If your vehicles are scheduled underneath, their use and driver records affect the premium.
- **Claims history.** Past liability claims can raise the price or narrow who will quote.

## Coverage

- [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/quotes)

## Common questions

### What’s the difference between umbrella and excess?

Both add liability limits above selected policies once their limits are used up. Proposals name them differently, so we compare the underlying schedule and attachment terms rather than the label.

### Will the umbrella cover my commercial auto?

Only if the auto policy is listed as underlying insurance. We ask that of every proposal.

### Does a large limit cover everything?

No. Specialty claims, such as employment practices or professional liability allegations, can be excluded by name, so we read the exclusions.

### Can the broker on my primary policies place the umbrella?

Yes. Spot works with them on the underlying schedule and takes no commissions on premiums. You can also use a different broker for the extra layer.

## More

- [Get quotes](https://spot.insure/insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/umbrella-excess/quotes.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)