What Does Umbrella and Excess Liability Insurance from The Hartford Cover?

The Hartford describes commercial umbrella insurance as a safety net that provides additional coverage once other liability policies (such as general liability) reach their limits, rather than a stand-alone primary policy. ¹Company-reportedBusiness insurance coverage page as read 2026-09-23. This is one paragraph within a broader 'what does business insurance cover' article, not a dedicated umbrella product page.

The reviewed page does not publish eligibility criteria, available umbrella limit tiers, pricing, or how to apply for commercial umbrella coverage specifically; umbrella is mentioned as one line within a general 'what does business insurance cover' explainer rather than on its own product page. ¹Not found in reviewed sourcesChecked 2026-09-23; no dedicated thehartford.com commercial-umbrella-insurance product page was found (the coverageLines source also points to this same general explainer page and to /commercial-insurance).

The Hartford gives a worked example: if a customer is injured in a store and makes a $200,000 claim, and the business's general liability limit is $150,000, commercial umbrella insurance would help cover the remaining $50,000. ¹Company-reportedBusiness insurance coverage page as read 2026-09-23 (page last updated by The Hartford July 28, 2025). Illustrative example, not a specimen policy or published limit schedule.