When Standard Coverage Isn’t Enough: The Case for Umbrella & Excess Liability

September 2025

In today's business world, a single lawsuit or major accident can go beyond the limits of your basic liability insurance, leaving your company vulnerable to serious financial risk. Umbrella and excess liability insurance provide extra protection by covering costs that exceed your primary policies, helping to shield your business from significant losses.

Join our upcoming webinar to understand how these coverages work, hear real-world examples of coverage and verdict scenarios, and discover why they are a wise choice for long-term risk management strategies.

Attendees will learn:

• The difference between umbrella and excess liability
• The impact large jury awards (also known as nuclear verdicts) have on insurance
• How to evaluate appropriate limits for your business in consultation with your Risk Advisor

Presented by:

AJ Krist
V.P. of Commercial Lines, Risk Advisor, Partner
North Risk Partners

Blake Nelson
Attorney & Construction Law Group Chair
Hellmuth & Johnson