Umbrella

A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage. The umbrella policy serves three purposes: it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).

Business Hours

Monday-Friday: 8am to 5:00pm
Nights and Weekends: By Appointment

(715) 223-6566
Fax: (715) 223-6566

Email Us

Our Office Locations

    • ABBoTSFORD WI

      105 N First Street
      PO Box D
      Abbotsford, WI 54405