Nearly all insurance, commercial or otherwise, is limited in a literal way by the upper bound of its coverage. “Excess Coverage Insurance”, in the vein of an Umbrella policy, serves strictly to cover your limits beyond what your base policy will cover. While the inclusion of “follow form” clauses is what distinguishes this from an Umbrella, the coverage will typically be identical; what separates these is that Excess Coverage will specifically provide coverage beyond the limits of the underlying policy.
Though fundamentally simple, the devil is, as always, in the details of the legal language of your policy which is underwritten to consider the individual needs of your small or medium-sized business. It is the expertise of our agent team here at Sanford, as well as the experience and provision of our partner insurers, that guarantees the meticulous regard for your coverage.
A peace of mind for any business owner, Excess Coverage is a necessary coverage for your business.