Both umbrella and excess liability coverage are applied in certain circumstances to General Liability insurance and business liability insurance when the limits of a policy have been reached. As such, these terms are often used interchangeably. But, while they are closely linked, they are not one and the same.
· Orchid Insurance offers an excess liability insurance policy that provides coverage to exceed the limits of an underlying liability policy or policies.
· An umbrella liability policy from Orchid provides small busines owners with broader protection against catastrophic losses than those that are afforded by an underlying policy. Like excess liability insurance, Orchid's umbrella insurance can be applied to multiple underlying liability policies, such as General Liability and Professional Liability to cover the unexpected costs of a lawsuit or accident. It can also drop down when one of these underlying policy’s aggregate limits are exhausted and, in some cases, cover claims that are not included in the underlying policies at all.
Orchid offers some of the broadest umbrella liability limits available, ranging from $1 million to $100 million to safeguard against claims of personal injury, property damage or the unexpected
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