Umbrella or Excess Liability
Because even nonprofits face big risks
No matter how careful your organization is, large claims can happen—claims that exceed the limits of your general liability, auto, or directors & officers (D&O) policy.
When that happens, Umbrella or Excess Liability coverage can make the difference between recovering and closing your doors.
At NonProfit Insuror South, we help nonprofits and human service organizations secure the extra protection they need to keep their mission safe—without straining the budget.
What Umbrella & Excess Liability coverage does
This coverage adds an extra layer of financial protection on top of your existing insurance policies. If your underlying policy limit is exhausted by a large claim, your umbrella or excess policy steps in to cover the remaining costs—up to the higher limit you select.
Example:
If your general liability limit is $1 million and you face a $3 million claim, your umbrella or excess policy could cover the additional $2 million (subject to terms and exclusions).
Why nonprofits need higher limits
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Auto accidents involving staff or volunteers
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Abuse or neglect allegations
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Premises injuries to clients, visitors, or donors
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Professional liability or D&O lawsuits
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Events or fundraisers with public attendance
Even one severe claim can exceed a standard liability limit—especially when medical costs, legal fees, and damages are combined.
Umbrella vs. Excess Liability: What’s the difference?
While often used interchangeably, there’s a key distinction:
Umbrella Liability
Extends and sometimes broadens coverage over multiple underlying policies (like general liability, auto, and employers liability).
Excess Liability
Strictly provides additional limits above one underlying policy, without adding new coverages.
Both are designed to increase your financial protection—and we’ll help determine which type best fits your organization’s structure and risks.
Key benefits for nonprofits
Protects against catastrophic losses
Satisfies contract or funding requirements
Affordable way to increase coverage limits
Applies across multiple policies
Peace of mind for your board and leadership team
Who should consider Umbrella or Excess Liability
Any nonprofit or human service provider that:
Operates vehicles or transports clients
Hosts public events or fundraisers
Holds government contracts or large grants
Owns or leases property
Employs a large staff or volunteer base
Provides direct care or supervision of clients
How NonProfit Insuror South helps
We’ll review your existing insurance program, identify potential coverage gaps, and recommend affordable umbrella or excess options that complement your current carriers.
Because we specialize in nonprofits, we understand the contract and funding requirements that often dictate specific liability limits.
Coverage limits available
Most nonprofit umbrella policies start at $1 million and can be customized up to $10 million or more, depending on the organization’s size, operations, and funding requirements.
Protect your mission beyond the basics
Your nonprofit does important work. Don’t let a single large claim undo it. Let NonProfit Insuror South build a safety net that extends as far as your impact does.
