Excess Umbrella Liability Insurance

Your underlying General Liability policy has limits. Umbrella and Excess Liability coverage extends those limits for catastrophic claims - the serious injury, the multi-plaintiff lawsuit, the verdict that exceeds your primary policy. For action sports operators, these scenarios are real: a traumatic injury claim at an axe throwing venue, a multi-vehicle incident at a go-kart track, a severe fall at a climbing wall. An Umbrella policy provides the buffer that keeps a single large claim from ending your business. The cost is typically low relative to the protection it provides.