Excess Liability is an extension of the underlying liability coverage limits applied to a specific liability coverage. If your business insurance pays a settlement of $150,000 and your primary insurance coverage limit of $100,000 was reached, Excess Insurance Coverage could pay the remaining $50,000. The differences between Umbrella coverage and Excess Liability coverage are important to understand. Let your Pacific Reliance Insurance broker discuss your business structure and operations. From there we can provide a comprehensive explanation of which might be a better choice to properly protect your business.