Umbrella and Excess Liability Insurance

Umbrella and Excess Liability Insurance provide an extra measure of coverage over and above the standard insurance policy.

Standard general liability coverage typically extends up to $1,000,000 and sometimes that is just not enough. Umbrella Liability and Excess Liability policies are here to help!

What’s the difference?

  • Excess Liability policies will provide an additional amount of coverage to the basic general liability policy once it has been exhausted.
  • An Umbrella policy can extend not only over general liability, but automobile, worker’s comp and other forms of liability coverage your organization may require.

Call the dedicated team of experienced agents at Beacon Insurance Agency to learn more about the insurance packages we provide today!

At Beacon, we offer our clients Excess Liability and Umbrella Policy plans that feature:

  • Occurrence Policy
  • Limits Available ($1,000,000 – $10,000,000)
  • $10,000 Retention
  • Covers over General Liability, Employers Liability & Business Auto Liability

Excess Liability Policy

Much like Umbrella Liability policies, Excess Liability Insurance applies to a primary policy when the primary policy reaches its limits. However, Excess Insurance applies to a single primary policy. Further, it does not offer any broader protections to protect them in situations that are excluded by their primary liability policy.

Umbrella Liability Insurance

An Umbrella Policy can be critical. Beacon protects our clients from paying out-of-pocket costs once the underlying liability policy reaches its limits. Further, Umbrella Liability Coverage applies to several policies.  General Liability Insurance, Employers’ Liability Insurance, which is part of Workers’ Compensation Insurance and Commercial Auto/Hired and Non-Owned Auto Insurance policies are included. As noted, if a lawsuit exceeds the limits of these policies, a client makes a claim on an Umbrella Liability Policy to cover the remaining expenses. In addition, Umbrella Liability offers broader coverage than the underlying primary policies. It  provides supplementary coverage that may become critical in the event of a lawsuit.

Could Your Church Afford It?

There are a number of unforeseen situations that could arise and put your church at risk.  Legal liability often exceeds the coverage of your primary policies. In such an event, an Umbrella Policy or Excess Liability Policy could be the difference. Beacon will help you survive the financial obligations that may result in instances such as:

  • An out-of-town visitor sustains injuries after a fall in your sanctuary. He files a million-plus-dollar lawsuit against your church.
  • Plaintiffs file a  multi-million-dollar lawsuit against the church when the minister is involved in an automobile accident. There are multiple injuries during the course of mission-related travel.
  • A volunteer sustains a chronic back injury while conducting maintenance on church property. He receives a 1.5 million judgment.

After primary liability policies are purchased, the limits provided by the policies may fall short. Instances such as these, where higher litigation amounts exceed the limits of the primary policies, need coverage.  Also, these policies apply if the circumstances of the lawsuit fall outside of certain clauses within the policy. Ultimately, Beacon will help ensure the financial safety of your organization. It is important to consider the options available for an Excess Liability Policy or an Umbrella Policy from GuideOne Insurance. At Beacon, we specialize in working with the unique needs of churches. Ultimately, we provide customized care to protect our clients and free them to pursue their mission of changing the world.

Protect your ministry from extra worry! Call the experienced agents at Beacon Insurance Agency to learn more today!

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