Excess Insurance That Protects Beyond the Basics
When your standard liability coverage isn’t enough, Excess Insurance from Combs & Company adds a powerful layer of financial protection that kicks in when your primary policy hits its limit. Whether you're a business owner facing high-risk exposure or an individual with significant personal assets, excess insurance ensures that one claim doesn’t upend everything you’ve built. Backed by over 20 years of trusted experience and customized strategy, we help you secure smarter coverage that’s anything but standard.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
What Is Excess Insurance and Why Might You Need It?
Excess Insurance—also known as excess liability insurance—is designed to cover claims that exceed the limits of your existing policies, such as general liability, commercial auto, or employer liability insurance. Think of it as your financial safety net: when a lawsuit or catastrophic event threatens to go beyond your standard coverage, your excess insurance policy steps in to shield your business or personal assets from devastating loss.

At Combs & Company, we help clients determine exactly how much excess insurance they need—and what type—based on risk exposure, industry, and unique circumstances. With a firm understanding of policy language and a client-first approach, we ensure you're never under-protected or overpaying
Excess Insurance vs. Umbrella Insurance: What’s the Difference?
While often used interchangeably, excess insurance and umbrella insurance are not the same. Understanding the difference is crucial in choosing the right protection.
Excess insurance strictly extends the limits of your underlying liability policy. It only applies to claims already covered by that primary policy. In contrast, umbrella insurance may broaden coverage to include certain claims your base policies don't cover at all.
At Combs & Company, we clarify these differences and recommend the right solution for your needs—whether that’s standalone excess insurance or a comprehensive umbrella policy with broader protections..
Who Benefits Most From Excess Insurance Coverage?
Excess insurance is ideal for individuals and businesses whose risk profile demands protection above and beyond standard limits.
You’ll benefit most from excess liability coverage if:
- You operate in a high-risk industry like construction, hospitality, or manufacturing
- Your business contracts involve large dollar amounts or high-value assets
- You frequently interact with the public or host clients on-site
- You're a high-net-worth individual who needs to safeguard personal assets
- You want to protect your business or estate from lawsuits and catastrophic claims
If you’re not sure whether excess insurance applies to you, our experienced advisors at Combs & Company can walk you through a customized risk assessment and policy audit.
Why Choose Combs & Company for Excess Insurance?
For over two decades, Combs & Company has been helping clients make smarter insurance decisions—not just buying more coverage, but buying the right coverage. Our approach to excess insurance is never one-size-fits-all.
What sets us apart:
- We demystify complex policies and explain them clearly—no insurance jargon
- We tailor coverage recommendations to your exact risk profile and goals
- We only work with top-rated insurance carriers we trust
- We proactively evaluate your existing coverage for gaps before recommending additional policies
- We have deep expertise across commercial, personal, and specialty lines—giving us a holistic view of your protection

Your insurance strategy should protect your growth—not stall it. That’s exactly what we deliver.
What Comes With an Excess Insurance Policy?
Every excess insurance policy from Combs & Company is carefully built to complement your existing coverage, not complicate it. Here’s what to expect when you work with us:
- A thorough review of your current insurance portfolio
- Identification of liability limits that may be too low based on your exposure
- Custom-built excess policies to increase those limits where needed
- Ongoing monitoring of your policies to keep pace with your growth and changing risks
- Support in claims scenarios to ensure your excess coverage responds as expected

You’ll walk away with peace of mind—knowing you’re covered, even in the worst-case scenario.
What Happens When Excess Insurance Is Activated?
Excess insurance only comes into play when your underlying policy’s limits have been exhausted. For example, if a general liability policy covers $1 million per claim and you're hit with a $2 million lawsuit, your excess insurance would potentially cover the additional $1 million (depending on policy terms).
We structure your excess insurance so it integrates seamlessly with your base policies, ensuring there are no overlaps or gaps. That means smooth claims handling and complete protection when you need it most.
FAQs About Excess Insurance
What is excess insurance?
Excess insurance is a type of liability coverage that provides additional protection beyond the limits of your primary insurance policies. It only applies to claims that are already covered by your underlying policy and will not expand the scope of coverage—only the limit.
Is excess insurance the same as umbrella insurance?
No, excess insurance extends existing coverage limits but does not provide broader protection. Umbrella insurance, on the other hand, may apply to claims not covered by your underlying policies. Combs & Company can help determine which solution fits your needs best.
Who needs excess insurance coverage?
Businesses in high-risk industries, individuals with significant assets, and companies engaging in large contracts or high-exposure operations often benefit most from excess liability insurance. It’s about protecting yourself from extraordinary, unexpected financial risk.
How do I know how much excess insurance I need?
Our team conducts a full risk assessment and policy audit to evaluate your exposure and existing coverage. From there, we recommend excess limits that align with your potential liabilities, budget, and peace-of-mind goals.
Can I add excess insurance to any type of policy?
Typically, excess insurance is available for general liability, commercial auto, employer liability, and similar coverages. Not all policies are eligible, which is why working with an experienced broker like Combs & Company is essential for making sure your coverage layers correctly.
Ready to Strengthen Your Coverage?
Don’t let a single lawsuit or catastrophic loss threaten everything you’ve worked for. Connect with Combs & Company for expert guidance and a custom-built excess insurance strategy that protects you long after the primary coverage runs out.
Protect smarter—with Combs & Company.
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