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Chubb’s Umbrella & Excess Casualty insurance offers mid-sized companies commercial excess and umbrella liability coverages to protect you against a broad range of critical risk exposures such as catastrophic events and reputational risk.

Coverage Highlights


Multiple Insuring Agreements Combined into One Policy
  • Excess follow form for continuity over primary insurance (Coverage A), Gap Insurance when there is no underlying insurance (Coverage B) and blended pollution (Coverage C)
Multiple Towers of Protection
  • Separate aggregate limits including Advertising Injury/Personal Injury and Products/Completed Operations. No aggregate applies if the underlying limit is unaggregated.
Expanded Definition of Personal Injury
  • Includes discrimination, harassment and segregation (where permitted by law) under Coverage B as first-dollar protection


Additional Coverage Benefits

Insurance drops down over eroded or exhausted primary limits of insurance:

The insurance will apply if primary limits are reduced by losses:

  • Happening during the term of our policy
  • Happening during the term of the primary policy, even if the term began before ours
  • Covered by the primary policy, even if not within the scope of our policy

In the case of subsequent covered losses, our policy would apply immediately excess of the eroded or exhausted primary limits.



  • Up to $50MM Occurrence/Aggregate
  • Per location aggregate available
  • Admitted coverage (all states except Alaska, Louisiana and Vermont), even if one or more underlying policies are non-admitted


Target Client

Companies who have the following:
  • Up to $1 billion in annual revenue
  • Industries that need financially sound capacity and competitive prices
  • Place value on consistent underwriting and pricing
  • Place value on expertise in claims handling based upon clear coverage forms
  • International exposures


Crisis Assistance

When the financial integrity and reputation of your company are on the line, Chubb is there for you. Chubb Crisis Assistance For Excess And Umbrella, an automatic endorsement to our Commercial Umbrella Insurance policy, provides peace of mind and flexibility when you need it most — as a crisis unfolds.

If a crisis occurs, and you reasonably expect it could impact your Chubb Commercial Umbrella Insurance policy and generate adverse regional or national media attention affecting your business, Crisis Assistance enables you to hire a Crisis Assistance Service Provider and provides funding for related, approved expenses.

Because catastrophe planning is vital to effectively managing your liability risks, the time to research potential Crisis Assistance Service Providers is now.*  You have the flexibility to select and hire a crisis management firm or other service provider with crisis management capabilities that meets your needs. If a crisis ensues, simply contact the service provider you have selected; then contact Chubb at 1-800-CLAIMS-0 (1-800-252-4670).

*Chubb Crisis Assistance for Excess And Umbrella is a post-crisis benefit and does not include crisis preparation costs. Please note that you are responsible for the services of the firms described above. Chubb does not indentify, select, hire or arrange for the services of, such firms for you.

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