Higher limits
Some losses do not stop at the primary limit.
A major auto collision, serious injury, fire or chemical event can exceed ordinary liability limits.
What an umbrella review should include
- Commercial general liability
- Commercial auto liability
- Employers liability
- Contract-required limits
- Underlying-policy attachment points
- Follow-form differences and exclusions
Coordination matters
An umbrella is not simply “another million.”
The underlying policies, scheduled limits, exclusions and coverage territory determine where excess protection may respond.
Pest-control businesses with multiple vehicles, larger commercial customers or meaningful chemical exposure should make excess limits part of the annual review.
Talk with a specialist
Tell us how your pest-control company operates.
We’ll help identify the coverage questions that deserve attention.