One of the questions most often asked is "How much in limits should we buy"? It's an honest question, and the most honest answer is "$1 more than the largest claim you will ever have"!

While we can compare and benchmark your company against others of similar size and operations, we can never assure any client they will never have a claim larger than their coverage.

Many umbrella and excess liability policies contain an absolute pollution exclusion and do not cover environmental exposures and damages. However, environmental excess coverage is readily available from select insurers who understand the risks. Most environmental excess forms are "following forms" which provide the same breadth of coverage provided in the underlying policies; the excess insurance will often insist on writing the primary GL layer in order to provide the excess coverage.