This coverage is also referred to as Umbrella Liability and can encompass the Insured’s Public, Products, Motor, Workmen’s Compensation and Employer’s Liability risks. It is sometimes written as an additional cover on top of the primary policies of the insured.

Beacon’s underwriting consideration(s): The nature of the business and the Limit of Indemnity required. The estimated Annual Turnover generally used for the retail or manufacturing business and the estimated Annual Wages for offices and financial institutions. A proposal form must be completed, and the policy is subject to an excess.