Umbrella/Excess Liability Insurance

An additional layer of liability protection.

Some businesses carry more risk than others and need additional financial protection—beyond the limits of primary liability policies. Umbrella/excess liability insurance can help protect from major losses in the face of catastrophic events or large-scale lawsuits, where costs exceed the coverage limits of your other policies. Whether you’re a manufacturer, professional service provider, large company, or other higher-risk organization, obtaining umbrella insurance or excess liability insurance can help ensure that your business is not left financially vulnerable. 


What's the difference between Umbrella and Excess Liability Insurance?

Umbrella insurance and excess liability insurance both serve to provide additional coverage beyond primary liability policies (including general liability, auto liability, employers’ liability, and professional liability). However, they each achieve this in different ways.

Business umbrella insurance often offers broader coverage, covering risks that aren’t otherwise covered by your other liability policies. They aren’t tied to a specific liability policy and can extend over various liability lines. 

Excess liability insurance is tied to specific underlying insurance policies, covering the same risks, but providing additional financial coverage beyond the limits of the original policy (after the original policy’s coverage is exhausted). 

Some businesses may be best served by one type of policy over the other—while other, higher-risk businesses may require both. Our agents can help you determine what makes the most sense for your company. 

Benefits of Working with Lone Star for Your Liability Insurance Needs

Every business operation comes with some level of risk. Without proper liability coverage, your business could be one catastrophic event away from financial risk, too. When you need to find adequate and affordable liability insurance coverage, our insurance specialists can help.

When you work with an experienced, community-based agency like LNSB Insurance Services to protect your business, you can count on:

Protect and Secure Your Financial Future with Lone Star Insurance Services

When you work with us, know that you’ll have coverage and service you can count on, from applying for the right policy tailored to your unique business needs to navigating liability claims. Reach out to our agents today to learn more about our insurance selections and see how you can keep your South Texas business protected and secured with Lone Star.  Let’s get started today!

Rio Grande Valley – (956) 682-1722 
San Antonio – (210) 572-3222