Common coverage categories
- Additional limits over eligible underlying coverages.
- Review of primary policies, required limits, and business activity.
- May support specific contract requirements when approved by the insurer.
EXCESS LIABILITY
↗Additional limits for certain business risks.
Excess liability may provide additional limits over specific underlying coverages when its conditions are met. Its structure may differ from an umbrella policy.
Discuss my options →WE START BY UNDERSTANDING
A conversation before a policy.
Contracts, large projects, and business assets may call for a closer discussion of liability limits and how existing policies fit together.
Confirmed carrier options for this conversation:
Berkshire Hathaway
This list does not guarantee availability, rate, or acceptance; the agent confirms product, state, ZIP code, appointment, and eligibility.
How a claim commonly works
- Protect people and call 911 if there is an emergency.
- Document date, location, photos, details, and any available report.
- Report the event promptly through the insurer’s channel and keep the claim number.
- An adjuster or insurer may review coverage, damage, and documents before deciding.
What an agent may ask
- Underlying policies and current limits.
- Contracts, projects, operations, and client requirements.
CONCEPTS FOR READING YOUR POLICY
Words worth knowing.
The amount a person may pay out of pocket before eligible coverage applies.
The most an insurer could pay for a category of covered claim, subject to the policy.
The cost of the policy. It can change with risk, coverage, location, and eligibility.
A situation, property, service, or cause the policy does not cover or treats in a limited way.
A summary of insured people or property, dates, coverages, limits, and deductibles.
DID SOMETHING ALREADY HAPPEN?
We can help you identify the next step.
For emergencies or injuries, call 911. For general claim-process help, contact Carolinas Coverage or your policy insurer.