PROPERTY + LIABILITY
Extra limits when one policy isn't enough.
Umbrella coverage sits above your general liability, auto, and employer's liability, and is often required by contracts and landlords.
- LIMITS
- $1M–$25M
- SITS ABOVE
- GL, auto, employer liability
- CONTRACTS
- Meets common requirements
- COST
- Low per $1M of limit
WHAT'S COVERED
- 01Excess liability. Pays after underlying limits are used.
- 02Defense costs. Legal fees on large claims.
- 03Contract requirements. Meets owner and GC minimums.
- 04Catastrophic claims. Protection for the claim that could sink you.
COMMON QUESTIONS
- How much umbrella do I need?
- Match your largest contract requirement, then consider your assets and exposure.
- Umbrella vs excess?
- Umbrellas can broaden coverage; excess follows the underlying policy exactly.
- Can I bundle this with other coverage?
- Yes. One application covers every line we quote, with one renewal calendar and one advisory team.
- Does Worklio payroll help?
- If you run payroll on Worklio HCM, we pre-fill company details, headcount, and payroll data. We also work with any other payroll provider.
WHAT AFFECTS YOUR PRICE
- 01Limit requested
- 02Underlying GL, auto, and employer liability
- 03Industry and contract requirements
- 04Fleet size and operations
HOW WE QUOTE IT
APPLICATION
ACORD 125 + 131
WHAT TO HAVE READY
- Underlying policy declarations
- Largest contract insurance requirements
On Worklio HCM? Payroll and headcount data are pre-filled.
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
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