Umbrella Insurance

Excess liability protection for businesses and property owners

Product Overview

XRISK offers comprehensive umbrella insurance solutions designed to provide excess liability protection for businesses and property owners. Our specialized coverage extends beyond the limits of primary liability policies, offering an additional layer of protection against catastrophic claims and lawsuits.

With our deep industry expertise, we understand the specific liability risks faced by different industries and provide tailored umbrella coverage options that address your clients' unique needs and risk profiles.

Coverage Options

Commercial Umbrella

Excess liability protection for businesses across various industries.

  • Limits up to $25 million
  • Follows form coverage
  • Drop down coverage
  • Worldwide coverage territory
  • Broad named insured
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Real Estate Umbrella

Specialized excess liability coverage for commercial real estate properties.

  • Limits up to $25 million
  • Follows form coverage
  • Drop down coverage
  • Premises liability focus
  • Broad named insured
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Community Association Umbrella

Tailored excess liability coverage for community associations and HOAs.

  • Limits up to $25 million
  • Follows form coverage
  • Drop down coverage
  • D&O coverage extension
  • Broad named insured
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Hospitality Umbrella

Comprehensive excess liability coverage for hotels and hospitality businesses.

  • Limits up to $25 million
  • Follows form coverage
  • Drop down coverage
  • Liquor liability extension
  • Broad named insured
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Eligible Operations

  • Commercial businesses
  • Office buildings
  • Retail properties
  • Industrial properties
  • Mixed-use developments
  • Hotels and motels
  • Resorts
  • Condominium associations
  • Homeowners associations
  • Apartment buildings
  • Multi-family dwellings
  • And many more...

Program Highlights

  • Competitive rates for hard-to-place risks
  • Umbrella limits from $1 million to $25 million
  • Follows form coverage over primary policies
  • Drop down coverage when primary limits are exhausted
  • Worldwide coverage territory
  • Broad named insured endorsement
  • Experienced claims handling
  • 24/7 claims reporting
  • Flexible payment options
  • Quick quote turnaround
  • Dedicated customer service team

Ready to Submit a Risk?

Contact our team of umbrella specialists to discuss your client's needs and get a quote.

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XRISK Wholesale & Specialty Insurance Solutions | 714 W. Olympic Boulevard, Suite 906, Los Angeles, CA 90015

XRISK INC d/b/a XRISK Wholesale & Specialty Insurance Solutions in California | CA Surplus Lines Agency Broker License: 6015938