Commercial Excess liability & umbrella insurance

Commercial Excess Liability Insurance

When the Unexpected Happens — You’ll Be Glad You Had It

At Sound Risk Management, we help business owners prepare for worst-case scenarios. If a major claim exhausts the limits of your General Liability, Auto, or Workers’ Comp policy, Excess Liability coverage provides the extra protection your business needs to stay standing.

Lawsuits, medical bills, property damage, and legal settlements can exceed standard policy limits — fast. A single accident or claim could threaten everything you’ve built. That’s why Excess Liability isn’t just smart — it’s essential.

Why Excess Liability Matters for Your Business

Our Excess Liability programs extend the limits on your existing liability policies, helping to:

Protect your assets and cash flow from catastrophic claims
Meet contract requirements that demand higher limits
Provide peace of mind that your coverage won’t fall short in a crisis

Whether you need an extra $1 million or $10 million in protection, we shop top carriers across the market to find the most cost-effective solution.

Industries We Serve

We work with a wide range of businesses that carry significant exposure or contractual insurance requirements, including:

General & Trade Contractors
Property Managers & Real Estate Investors
Transportation & Delivery Businesses
Manufacturers & Distributors
Retailers, Restaurants, and Service-Based Businesses

Excess vs. Umbrella — What’s the Difference?

It’s a common question — and one we’re happy to clarify.

Excess Liability applies only to a specific underlying policy, such as your General Liability or Auto Liability policy. It provides additional limits, but no broader coverage than the base policy.
Umbrella Insurance can extend limits across multiple underlying policies (GL, Auto, Employers Liability, etc.) — and may even offer some extra coverages that aren’t found in the base policies.

At Sound Risk Management, we understand the nuance — and we use it to your advantage. We’ll help determine the right mix of excess or umbrella coverage to meet your risk, your budget, and your contractual needs — all while leveraging market relationships to save you money.

Get the high-limit protection your business needs — without overpaying.

Ready to Shield Your Business from the Unexpected?

Every business faces risks — but with the right protection, you can face them with confidence. At Sound Risk Management, we’ll help you secure the excess or umbrella coverage that keeps your company strong, no matter what comes your way.

Let’s build a safety net that works as hard as you do.

Call: 631-509-1023
Text: 631-791-6881
Email: info@soundriskmanagement.com