The AETOS Excess/Umbrella Liability Model

We help you prepare for worst-case scenarios without stretching your budget. Our consultative approach ensures your business has the extra liability protection it needs, whether you're a contractor, a growing team, or an established operation with higher exposure. We tailor your excess or umbrella policy around your existing coverages and risk profile.

Increase the limits of your general liability, business auto, or employer liability policies.

Get an umbrella policy that fills coverage gaps and protects against multi-million dollar claims.

Your policy is designed based on the scale of your operations, industry exposure, and legal environment.

We help you understand where your current policies end and where you still need protection.

What This Coverage Includes

Additional liability limits for general liability, business auto, or employer liability policies
Coverage for catastrophic or high-value lawsuits that exceed primary policy limits
Legal defense and settlement costs beyond your underlying insurance
Protection for third-party bodily injury or property damage claims
Broader coverage terms under umbrella forms when eligible
Gap coverage for risks that are uncovered or underinsured

Why Businesses Choose AETOS

Tailored Excess Coverage

We review your existing limits and exposures to create the right buffer zone.

Protection for High-Exposure Claims

Shield your business from lawsuits that exceed standard coverage.

Contract and Compliance Confidence

Meet client, vendor, and contractual insurance requirements with higher limits.

Trusted Claims Navigation

If a major claim happens, we help you respond quickly and manage it with clarity and control.

What’s at Stake

A single large claim can drain your primary policy limits and leave you exposed to costly damages. With AETOS, you’re protected with excess and umbrella coverage that helps fortify your business against financial loss beyond your standard policies.

Speak with an AETOS Advisor
Speak with an AETOS Advisor