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 small businesses to complex multi-national corporations and 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