Umbrella & Excess Liability

Great American Professional Risk Insurance Services specializes in umbrella and excess liability products that meet the needs of the commercial market. Our policyholders range in size from medium-sized businesses to complex multi-national corporations, with a focus on Fortune 1000 accounts.

Our experienced underwriting staff has a comprehensive knowledge of liability hazards, emerging trends, structured pricing, and familiarity with forms and coverage requirements. Focused on long-term relationships with clients and brokers, we listen to our clients’ insurance needs and work with them to satisfy their special capacity requests.

Specialized Coverage Products

  • Excess capacity over a qualified Self-Insured Retention (SIR) program, captives and risk retention groups
  • Absolute aggregate limit on SIR with special considerations
  • Long-term construction projects
  • Named peril and time element pollution
  • Occurrence reported coverage

Standard Policy Coverages

Umbrella Liability

  • Automatic coverage for new entities
  • Contractual coverage included
  • Broad insured definition
  • Broad property damage coverage
  • Broad definition of bodily and personal injury
  • Worldwide Protection

Excess Liability

  • Follow form coverage
  • Written as excess over primary or umbrella
  • Defense costs provided in addition to limits
  • Admitted coverage in all 50 states and D.C. with ability to provide non-admitted coverage as needed
  Meet the Team