Excess / Umbrella Insurance is additional coverage underlying your General Liability Insurance as your policy has limits. Umbrella and Excess Liability Insurance coverage extends those limits for catastrophic claims - the serious injury, the multi-plaintiff lawsuit, the verdict that exceeds your primary policy. For action sports operators, these scenarios are real: a traumatic injury claim at an axe throwing venue, a multi-vehicle incident at a go-kart track, a severe fall at a climbing wall. An Umbrella policy provides the buffer that keeps a single large claim from ending your business. The cost is typically low relative to the protection it provides.
What's Covered
- Sits above GL, auto, and employer's liability
- Drops down to cover uncovered claims (umbrella)
- Available in $1M increments
- Covers legal defense costs above primary limits
- Required by many venue leases and event contracts
- Relatively inexpensive per million of coverage
A single serious participant injury or multi-plaintiff lawsuit can exhaust a $1M GL limit quickly. Excess / Umbrella coverage is among the most cost-effective risk management tools available.
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