{"id":1073,"date":"2011-07-08T15:18:06","date_gmt":"2011-07-08T21:18:06","guid":{"rendered":"http:\/\/www.insuredco.us\/?page_id=1073"},"modified":"2022-02-16T11:27:24","modified_gmt":"2022-02-16T17:27:24","slug":"excess-liability","status":"publish","type":"page","link":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/insurance\/commercial-insurance\/excess-liability\/","title":{"rendered":"Excess Liability"},"content":{"rendered":"<h2>Umbrella Excess Liability Insurance For Your Business<\/h2>\n<p style=\"font-size:110%;line-height:130%;\">\n<p style=\"font-size:110%;line-height:130%;\">\n<blockquote><p>You must protect your customers from potential injury &#8211; your financial security can be put at risk if you are legally liable for damage to someone&#8217;s property or if someone is injured as a result of your business operation. No matter how thoroughly you have been trained in your line of business, you are not fully protected unless you have liability insurance.<\/p><\/blockquote>\n<p><img decoding=\"async\" class=\"alignright\" src=\"https:\/\/cdn.agencyinfo.net\/__ivwp\/images\/commercial-liability.jpg\" width=\"380px\" max-width=\"40%\" style=\"margin: 5px 5px 30px 30px; -moz-border-radius: 0px; border-radius: 0px;\" title=\"Commercial Excess Liability Insurance\" alt=\"Court looking building with the word Insurance engraved on it\" \/><\/p>\n<p style=\"font-size:110%;line-height:130%;\">Umbrella policies offer additional protection for catastrophes, unusual exposures, and additional liability limits beyond underlying insurance coverages.<\/p>\n<ul type=\"square\">\n<li><b>High limits<\/b> &#8211; Affordable protection of $1,000,000 or more for each occurrence in excess of the underlying insurance.<\/li>\n<li><b>Broad coverage<\/b> &#8211; Protection goes beyond the scope of limits provided by the underlying coverage.<\/li>\n<li><b>Legal costs in addition to limits<\/b> &#8211; Legal defense costs are covered in addition to the umbrella limits of liability.<\/li>\n<li><b>Legal defense from the first dollar<\/b> &#8211; If the underlying policy does not provide this protection, legal defense and settlement costs are covered from the first dollar.<\/li>\n<\/ul>\n<p style=\"font-size:110%;line-height:130%;\">\n<p>&nbsp;<\/p>\n<h2>Umbrellas Can Also Include:<\/h2>\n<p style=\"font-size:110%;line-height:130%;\">\n<ul type=\"square\">\n<li>Coverage for tenants&#8217; property damage liability<\/li>\n<li>Medical Payments<\/li>\n<li>Expanded Fire Damage &#8211; Coverage is extended to apply not only as a result of fire, but also explosion, release of smoke from an unfriendly fire, or sprinkler leakage incidents<\/li>\n<li>Coverage is provided for additional insureds when required by written contract<\/li>\n<li>Extended Property Damage &#8211; coverage is provided for bodily injury and property damage resulting from the use of reasonable force to protect persons or property<\/li>\n<li>Additional insured status is extended to employees who provide professional health services when this exposure is incidental<\/li>\n<\/ul>\n<p style=\"font-size:110%;line-height:130%;\">\n<p style=\"font-size:110%;line-height:130%;\">Our umbrella policies can be designed to meet your specific needs for a well-rounded business insurance program.<\/p>\n<p><br style=\"height:1em\" \/>\r\n<p><a class=\"longquoteserviceformbuttons\" href=\"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/online-quotes\/\"><i class=\"fa fa-shopping-cart fa-1x\" style=\"margin: 0 14px 0 0;\"><\/i>QUOTE ME NOW<\/a><\/p>\r\n<br style=\"height:1em\" \/><br \/>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Umbrella Excess Liability Insurance For Your Business You must protect your customers from potential injury &#8211; your financial security can be put at risk if you are legally liable for damage to someone&#8217;s property or if someone is injured as a result of your business operation. No matter how thoroughly you have been trained in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":145,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","footnotes":""},"class_list":["post-1073","page","type-page","status-publish","hentry","entry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/wp-json\/wp\/v2\/pages\/1073","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/wp-json\/wp\/v2\/comments?post=1073"}],"version-history":[{"count":0,"href":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/wp-json\/wp\/v2\/pages\/1073\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/wp-json\/wp\/v2\/pages\/145"}],"wp:attachment":[{"href":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/wp-json\/wp\/v2\/media?parent=1073"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}