Insurance Risk Management Solutions for Companies & Homeowners

Commercial Insurance for Excess Liability – Dallas Fort Worth

Excess liability insurance brings the concept of peace of mind to the next level. It operates in conjunction with the primary insurance package, which is typically one that covers risks that you would otherwise have to pay someone else other than your own.

An excess liability insurance policy only pays out after your primary policy has paid out in full and you have hit your coverage cap. The surplus scheme sets in to cover all residual expenses. This means that an excess liability scheme is less likely to pay out than a normal policy, resulting in lower premiums.

The terms "excess liability insurance" and "umbrella insurance" are often used interchangeably, and the distinction between the two can be hazy. Some insurers make the distinction because umbrella policies will cover risks and conditions that the regular coverage does not cover, while excess liability insurance merely adds a higher payout cap. Since those terminology distinctions aren't necessarily used, you’ll need to check exactly what your policies offer.

Call is at 972-472-2040 to know about our Excess Liability Insurance with free estimates!

Umbrella Liability Insurance – Coverage for your Business in DFW

A low-cost business umbrella scheme fills the gap left by the company's auto liability, general liability, or other liability coverage. Umbrella insurance offers additional protection against physical harm and/or collateral loss.

Consider the following example: If the insurance protects you for $1 million and you are effectively charged for $1.5 million, your corporate shield coverage will fund the remaining $500,000 – the difference between losing your company and remaining in business.

How much commercial umbrella insurance does your company require? The response is determined by a number of variables, including the kind of company you own and the amount of coverage you currently have. It is critical to consult with an Insurance Source of Dallas agent to determine the right commercial umbrella scheme plan for you.

Contact us for Commercial Umbrella Liability Insurance in DFW

Tower Street Insurance specializes in Commercial Umbrella/Excess Liability Insurance coverage in Dallas, AllenAustinDallasPlanoSan AntonioSouthlakeWestlake and the surrounding areas.

We also have commercial insurance coverages for directors & officersworkers’ compensationcyber liabilitypersonal and commercial risk management service and client advocacy service for your convenience. 

The definitions of Commercial Umbrella/Excess Liability Insurance coverage on this page are short and subject to requirements, restrictions, and exclusions that can only be stated in your contract and associated endorsements.

Please contact our dedicated risk officer at 972-472-2040 or contact online for more details about how Tower Street Insurance will help you fulfill your Commercial Umbrella/Excess Liability Insurance policy requirements. The material on this website is given solely for instructional and informative purposes.

It provides general policy material that does not represent the most recent trends in insurance coverage and is unlikely to adhere in all factual situations. The data does not provide any of the terms, coverage, exclusions, restrictions, and requirements that can be included in the real insurance contract language. Those specifics must be included in the policies themselves.



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