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Excess Liability Insurance

Added protection for when you need it most.

Excess Liability Insurance customized for your business needs

Excess liability is the best way to take your protection to the next level. It kicks in to pay any remaining costs once your original insurance policy has reached its coverage limit.

Did you know 40% of small businesses will face a liability claim? It’s a daunting figure. Don’t let your business join these statistics.

With excess liability insurance, you’ve got an extra layer of financial protection. It steps in when your primary policy taps out.

Let’s dive deep into this safety net, distinguishing it from umbrella insurance, and explore how Ollis/Akers/Arney Insurance Business Advisors can help tailor the perfect coverage for your needs.

Coverage Basics

You’ve got to understand that excess liability insurance comes in handy when your main policy reaches its coverage limit, stepping up to cover the remaining costs and providing you an extra layer of financial protection.

It’s like a safety net, catching you when your primary coverage falls short. Imagine you’re at fault in a car accident, and your main policy’s limit just isn’t enough to cover all the damage. That’s when your excess liability insurance steps in, covering those extra costs that can quickly add up.

It’s not meant to replace your primary insurance, but rather to supplement it. Think of it as your backup plan, ensuring you’re never left uncovered.

Umbrella vs. Excess

Don’t get confused between umbrella and excess coverage. While they’re often used interchangeably, there can be key differences that might impact your decision.

Umbrella insurance typically broadens your coverage, protecting you from risks that aren’t included in your primary policies. It’s like a safety net that catches claims your main policy might miss.

On the other hand, excess coverage simply extends the limits of your primary policy. If you’re sued for more than your main policy covers, excess insurance steps in to cover the remaining costs. It doesn’t broaden your coverage; it deepens it.

So, when deciding between the two, consider your needs carefully. Do you need broader coverage, or just higher limits? Your answer will guide your choice.

Contact Information

Ready to discuss your needs? Reach out to our team of experts for a personalized consultation.

We’re an independent agency with the expertise to guide you towards the right excess liability insurance. We know the ins and outs of insurance terminology and we’re here to explain them to you. We understand that ‘umbrella’ and ‘excess’ are often used interchangeably but can mean different things depending on the insurer. We’ll help you navigate these subtleties and ensure you’re adequately covered.

You can contact us directly, or complete a simple form to kick-start the process. We promise to respect your privacy, avoid sensitive information, and respond promptly.

With offices in Springfield, Branson, and Bolivar, we’re always within reach. Let us take the complexity out of insurance for you.

About the Agency

At Ollis/Akers/Arney, we’re deeply committed to understanding your business on all levels. We’re not just insurance agents, we’re your business advisors. We expertly analyze your risks, both current and emergent, and tailor strategic plans to mitigate them. Our comprehensive approach ensures we don’t just cover your insurance needs, but we’re helping maximize your human capital.

We’re proudly based in Missouri, but our reach extends far beyond. We’re licensed in over 30 states, delivering our expertise nationwide. We strictly adhere to our privacy policy, ensuring your information’s security is our priority. Furthermore, we comply with website accessibility standards, making our services available to all.

Let us be your partner in success. Reach out to us today and let’s start the conversation about your excess liability insurance needs.

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As an independent agency, we are here to help you find the right Excess Liability Insurance coverage.
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