Higher liability limits
Commercial umbrella and excess liability options for businesses needing limits above underlying policies.
Independent agency • New York & New Jersey • Direct broker access
Coverage overview
Umbrella or excess liability can add limits above scheduled underlying policies. Contract requirements, vehicle exposure, payroll, sales, and loss history influence market options.
Coverage descriptions are general and do not replace policy language. Availability, eligibility, limits, exclusions, and pricing depend on underwriting and the issued policy.
Who it may fit
WOOT asks about the work, property, people, contracts, vehicles, and current insurance so the application reflects the actual risk.
Not always. Terms, schedules, exclusions, and how coverage follows underlying policies can differ.
There is no universal answer. Contracts, assets, operations, severity potential, and budget should be reviewed together.
Talk through the risk
Tell Evan about the business and the coverage you need. WOOT will review the available path forward.
