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Get More Coverage with Umbrella & Excess Liability Insurance

A well-designed Umbrella and Excess Liability insurance policy serves as a line of defense to safeguard business assets in the event a loss goes beyond the limits of your primary liability policies. With today’s rapid technology changes and an increasingly litigious society, companies both large and small must protect themselves from the heavy financial burden that new and complex exposures can bring. 

Arroyo can customize an Umbrella solution that’s right for your business, designed to respond in an environment where high-exposure liability claims are common, with the potential for devastating results to the financial health of an operation. 

An Added Layer of Coverage

A Commercial Umbrella and Excess Liability policy provides an extra layer of security, offering supplementary coverage for costs associated with lawsuits, legal fees and settlements. If, for example, you have a liability claim that requires $5 million to settle, and your General Liability limit is $2 million, your out-of-pocket costs would be $3 million. With a $5 million Umbrella policy, the remainder of the settlement ($3 million) would be covered, leaving your assets untouched.


An Umbrella policy can also cover bodily injury that is not covered by your other Liability policies. Some Umbrellas also offer policies that provide for certain costs associated with crisis management or workplace violence. You will have access to experienced professionals dedicated to excess liability claims as well as loss control to reduce the potential for loss.

Industries We Write

Arroyo offers worldwide Umbrella and Excess insurance protection for all businesses across a wide range of industries, including:

  • Auto Dealers & Service
  • Entertainment
  • Food Industry
  • Healthcare
  • Manufacturing & Wholesale Distribution
  • Non-Profit & Human Services
  • Real Estate & Hospitality
  • Technology & Life Sciences
  • Transportation
  • Energy
  • Professional Services
  • Agriculture