Review the limits beneath it
Start with the liability policies you already have and the contracts you sign. Additional limits may sit above eligible underlying policies, subject to the excess or umbrella form.
Excess and umbrella are not interchangeable
Their terms, exclusions, required underlying insurance and possible retained amounts can differ. Ask how the policy responds alongside General Liability, Commercial Auto and Employers Liability.
A larger limit does not fix every exclusion
An uncovered activity or excluded loss may remain uncovered. Review the scope of the business first, then discuss limits that fit the potential severity of a claim.