Umbrella & Excess

When a major claim exceeds your primary insurance limits, umbrella and excess liability policies fill the gap. ABT helps Georgia families and businesses secure coverage through trusted carriers.

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COVERAGE OVERVIEW

Why You Need Umbrella & Excess Insurance in Georgia

Even with strong primary insurance, one large claim can jeopardize your finances. Umbrella and excess liability coverage protects against lawsuits, property damage, and major accidents, tailored to your personal or business needs.

Common coverage highlights:

Extends liability beyond homeowners, auto, and watercraft policies
Covers large claims for bodily injury, property damage, or legal fees
Supplements business policies like general liability and commercial auto
Protects personal or business assets in catastrophic situations

How it works?

Umbrella Insurance: Provides broader liability coverage, sometimes filling gaps not covered by underlying policies (drop-down coverage).

Excess Liability Insurance: Offers additional limits on top of existing policies, only when the underlying policy responds; does not expand coverage types.

At ABT, we guide you to the best option for your risk profile—protecting your company or personal wealth.

What Does Umbrella & Excess Insurance Cover?

Provides extra liability coverage beyond your primary policy limits.
Personal Umbrella – Covers serious auto accidents, injuries on your property, defamation claims, and legal fees exceeding standard policy limits.
Commercial Umbrella – Supplements business liability, auto liability, and workers’ comp for lawsuits, accidents, or major property damage.

Why Choose ABT Insurance?

We’re local Georgia experts who understand state requirements and liability risks for families and businesses. Our agents guide you through umbrella and excess options, answer questions, and structure coverage for your exact needs.
We partner with top-rated carriers to deliver reliable, high-limit protection.