Umbrella & Excess Insurance

Why should you consider this product?

  • You may need additional limits of liability to protect your assets
  • It can take the place of an underlying policy that has been exhausted
  • It can provide additional coverage that may be excluded on the underlying policies

Drop-Down Coverage

Hickok & Boardman can provide primary coverage when the underlying policy is either exhausted or does not cover the type of loss that has occurred.

Increased Coverage

Umbrella and excess liability can provide higher limits of liability in the event of a catastrophic loss that exceeds the underlying policies.

“Follow Form” Excess Liability

A Follow Form Excess Liability policy provides exactly the same coverage as the underlying primary liability policy.