What Does Umbrella and Excess Liability Insurance from StartupInsurance.ai Cover?

StartupInsurance.ai lists Umbrella and Excess among the coverages its startup program places, at the end of the same bullet list as General Liability, Cyber and D&O. As with those lines, the brokerage does not underwrite the policy itself: ContractorNerd Insurance Services, LLC, the licensed agency behind the brand, arranges placement and is not an insurance company. ^1,3,4Company-reportedHomepage "Coverage: What we place" list and ContractorNerd's terms and conditions and licensing page; states the brokerage's general role and that umbrella/excess is one of the named placed lines, not the terms of any specific policy.

The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not say which one, if any, underwrites a given company's umbrella or excess policy. ¹Not publicly disclosedHomepage carrier panel is program-wide rather than broken out by coverage line; the insurer for an umbrella/excess placement is not disclosed on the pages reviewed and varies by placement.

"Umbrella and Excess" appears only as two words in the homepage's core program list, with no description of underlying-policy requirements, attachment points, or what lines it sits above. ¹Company-reportedHomepage "Coverage: What we place" section as read on 2026-09-23; the reviewed page gives no line-specific detail beyond the name.

The reviewed pages do not publish sample umbrella or excess limits, attachment points, or which underlying policies they sit above. ^1,2Not found in reviewed sourcesHomepage, company page and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote.

The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Umbrella and Excess is not one of them, so a founder cannot self-serve a quote for this line through that screen. ²Not found in reviewed sourcesInitial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or a conversation with a specialist could still address this line.