Commercial insurance
Umbrella ShieldUmbrella liability
Extra liability cover on top of your existing policies for very large claims.
A single serious incident can produce a claim bigger than the limits on your public, motor or employer's liability policies. Umbrella liability insurance sits on top of those policies and pays once their limits run out.
It is an affordable way to buy high limits that contracts and lenders increasingly require.
Who it's for
- Businesses with large public exposure, such as lodges, venues and transport operators
- Contractors whose contracts require high liability limits
What it covers
- Claims above the limits of your primary liability policies
- Some claims your primary policies exclude, depending on the wording
- Legal defence costs on covered claims
Cover, limits and exclusions differ between insurers and policies. We explain the exact terms of any policy before you buy.
Related cover
Often arranged together
Talk to a broker who works for you, not the insurer.
Tell us what you need covered. We compare the market and come back with clear options.