What Does Umbrella and Excess Liability Insurance from Harper Cover?
Harper places umbrella and excess liability insurance that adds limits above a business's general liability and auto liability policies, such as when a lease or contract requires them.
Harper Umbrella Insurance · Updated
What Is Harper’s Role in Umbrella and Excess Liability Insurance?
Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. 1
Company-reported.Umbrella page introduction and 'What is Umbrella insurance?' section.
Who Is Harper Umbrella and Excess Liability Insurance For?
Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. 1
Company-reported.Umbrella FAQ 'Do I need an umbrella?'.
Coverage Features of Harper Umbrella and Excess Liability Insurance
Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. 1
Company-reported.Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify.
Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. 1
Company-reported.Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.
Harper Umbrella and Excess Liability Insurance Limits and Retentions
Harper says each additional million in umbrella limits typically costs a fraction of the first million, and that industry and underlying limits drive price, but the reviewed page does not publish specific limit amounts, retentions or premium figures. 1
Not publicly disclosed.Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote.
How Do You Apply for Harper Umbrella and Excess Liability Insurance?
You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. 1
Company-reported.Umbrella page quote form and 'Why Harper' process steps.
Harper Umbrella and Excess Liability Insurance Compared
Other Coverage Lines Documented for Harper
Sources for Harper Umbrella and Excess Liability Insurance
- Umbrella Insurance. Harper; Know your coverage: What is Umbrella insurance?; Excess over general liability, Excess over auto, Above a workplace-injury suit, Contract compliance; Why Harper; FAQs on whether an umbrella is needed, what it follows, and pricing. Accessed 2026-09-23.