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Excess Umbrella Insurance

Excess Umbrella Insurance for Greater Protection

Excess umbrella liability insurance provides additional liability coverage above and beyond the limits of the underlying insurance policy, such as general liability, commercial auto, or professional liability. As the name implies, the umbrella excess can be applied to protect against a broad range of risks, including catastrophic events not covered in the underlying policy.

Central Insurance Agency specializes in helping hard-to-insure clients in the security guard, security systems, fire suppression, home healthcare, and facility maintenance industries. The nationwide CIA team understands that these companies often have a higher risk of liability exposure and need specialized insurance counseling.

Additionally, these industries typically encounter new business bids or RFPs that require coverage levels that exceed the limits of their underlying policies. CIA helps your business get the insurance it needs by combining policies to reach the required coverage levels.

Make Sure Your Company Has the Right Insurance Coverage

Some types of companies carry a greater liability risk, so CIA is well-versed in providing the extra protection they need. This includes companies with employees in high-risk occupations and situations that many insurance companies won’t even cover. For example, a client may need five million dollars in coverage, but the insurer maxes out benefits at one million dollars. CIA will employ the insurance strategies necessary to obtain the enhanced coverage the client needs at the level they need. Even if you’ve never been approved for a certain level of coverage, CIA can help.

No-Cost Policy Review: Now You’re Covered

CIA brokers also know that a higher level of coverage is often needed to expand or grow a business. That’s yet another reason we are determined to help you find the insurance you need at the level you need it.

The CIA policy review is a fast and effective way to identify potential issues and find solutions that work. Be assured that Central Insurance Agency will help you find the right-sized coverage for your firm and your situation.

We would highly recommend CIA. They go out of their way to find us the best coverage at an affordable price. They always have the answers, respond quickly to our emails and we love that we can pick up the phone and call Gina at CIA at any time instead of an “800 number”. She and her team are always a pleasure to work with. Can’t say enough good things about Gina and CIA Insurance.

– Sue Falletta, Office Manager, Layr, New York, NY