The top layer
Commercial umbrella liability, also called excess liability, covers high-dollar claims that exhaust the limits of the underlying auto liability, general liability, employers liability and other primary policies. Only a small number of claims ever reach this layer, but if it is not written properly the results can be catastrophic.
Where disputes arise
When different insurers write the primary program and the umbrella or excess layer, coverage disputes can follow over:
- Following-form requirements
- Impaired aggregates
- Self-insured retentions
Because each carrier drafts its own umbrella and excess forms, agents who write this protection have to navigate all of these issues carefully. We help counsel unravel this important but often misunderstood coverage.
Mr. Sapourn is retained by both plaintiff and defense counsel for case analysis, opinion reports, affidavits, depositions and trial testimony. Request his CV and Rule 26 disclosure through the contact form.