ARIA · loading
An umbrella adds a layer of liability limits above your general liability, auto, and employers liability. Most claims never touch it, which is why the capacity is comparatively cheap, and why being underinsured by five million costs wildly more than the premium that would have bought it.
Excess limits over the scheduled underlying policies: when a judgment exceeds the primary limit, the umbrella pays the layer above, up to its own limit. True umbrella forms can also drop down over a self-insured retention for some claims the primaries exclude; follow-form excess strictly tracks the underlying terms and only adds limit. Larger programs stack layers from multiple carriers to reach $10M, $25M, and beyond. Umbrellas typically do not sit over professional liability, cyber, or management lines, which need their own excess.
When a single bad event could plausibly exceed $1M to $2M, which in the current verdict environment describes nearly every business with vehicles, premises traffic, or products in circulation. Contracts force the issue: general contractors, landlords, and enterprise customers now routinely require $5M or $10M in total limits as the price of admission.
Four specifics a well-served buyer should already be hearing about this coverage in this market. Read silently. Answer internally.
Do the underlying limits in your umbrella's schedule match the policies you actually renewed this year?
Is your excess truly an umbrella with drop-down, or follow-form with the umbrella name?
What does your worst plausible event cost in your worst venue, and where does your tower stop against that number?
Which exclusions does your excess layer add that your primary policies do not carry?
Every flag names the issue, the specific finding, and where it applies, the consequence. ARIA's full output also cites the exact policy page that proves each one — once you upload your declarations.
Annual premium distribution for a comparable business in your industry and revenue band, drawn from anonymized placements. Your specific position is computed when ARIA reads your declarations page.
Illustrative dataset · n=128 mid-market placements · refreshed quarterly
The first gap usually surfaces in the first minute of ARIA reading your declarations page.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page