Insurance Umbrella Policies

Excess coverage refers to the layers of insurance coverage or insurance policies over what is termed the "underlying" coverage or primary policy. As a risk manager, Mr. Underdown has experience in the selection and placement of umbrella insurance policies with up to $100 million in limits. Based on his experience, it is his opinion that one of the most important parts of a well designed insurance plan is the foundational or primary limits over which the umbrella policies are placed.