Excess liability insurance is a type of insurance that provides additional coverage to standard liability insurance and sometimes to other primary insurance policies, such as motorists' liability. It protects companies against claims arising from damage to others or to their property, which exceed the limits of their primary insurance policy. This insurance complements basic insurance coverage, offering broader protection against damage caused by products, operational activities, employees, and facilities. Umbrella liability often offers worldwide coverage, so you can defend yourself anywhere in the world.

If such a claim is made against an insured company, umbrella liability insurance covers the legal costs and indemnities for which the company is held liable under the law, over and above the coverage offered by basic insurance. This coverage is often required under major commercial contracts, and can help protect companies against the significant financial costs that can arise from liability claims.