What Does Umbrella and Excess Liability Insurance from biBerk Cover?

biBerk says umbrella coverage can respond after a covered claim exceeds an applicable existing liability policy limit. ¹Company-reportedEntity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.

biBerk says the umbrella only applies to coverages included in the underlying policy; without commercial auto underneath, auto claims are not added. ¹Company-reportedEntity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.

biBerk lists intentional harm, damage to the insured’s own property, contractual liability and war as examples excluded from umbrella. ¹Company-reportedEntity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.

biBerk offers online or phone access to quote its umbrella, which must accompany an existing liability policy. ¹Company-reportedEntity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.