Commercial Excess and Umbrella Liability Coverage

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Level: Intermediate

Why you need this course:
After completing this course, you'll be better able to help your customers fill gaps in their primary insurance protection.

Upon successful completion of this course, you should be able to:

  • Explain how three characteristics of liability insurance create the need for excess or umbrella liability coverage.
  • Describe the three basic types of excess liability insurance policies.
  • Explain how umbrella liability insurance differs from ordinary excess liability insurance.
  • Describe the following aspects of umbrella liability insurance:
    • Drop-down coverage
    • Required underlying coverages
    • Aggregate umbrella limits
    • Insuring agreement
    • Coverage triggers
    • Exclusions
    • Conditions
  • Given a case about a covered liability loss, determine amounts payable under primary insurance and excess or umbrella liability insurance.

Cost: $20 per Professional Development Hour (PDH). Information on Professional Development Hours (PDH) provided can be found here.

Commercial Excess and Umbrella Liability Coverage Topics Include:

  • The need for excess or umbrella liability coverage
  • Three basic types of excess liability insurance policies
  • How umbrella liability insurance differs from ordinary excess liability insurance
  • Specific aspects of umbrella liability insurance
  • Determining amounts payable under primary insurance and excess or umbrella liability insurance

Phone: (800) 644-2101 (U.S. and Canada)
(610) 644-2100 (Outside the U.S. and Canada)
Fax: (610) 640-9576
Mail: The Institutes
720 Providence Road
Suite 100
Malvern, PA 19355-3433
Customer Success is available Monday through Friday, 8 a.m. to 6 p.m. eastern time.

For retail ordering information, contact Customer Success or shop online. Or take a look at our full catalog.

E-mail: CustomerSuccess@TheInstitutes.org
Phone: (800) 644-2101

Customer Success hours are Monday through Friday, 8:00 a.m. to 6:00 p.m. eastern time.

Interested in corporate multi-user information, volume discounts, or learning management system (LMS) compatibility? Contact the Institutes' Regional Sales Executive in your area.


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