Umbrella or Excess Liability Policy

At Beacon Insurance Agency, we specialize in offering our clients customized insurance coverage options for their churches, non-profits, and private schools; but there is also a need to have coverage in place that will extend above and beyond the limits of the policies they may have. In such cases, Excess Liability Policy options and Umbrella Insurance Policies should be discussed to ensure that they are well prepared for every eventuality.

At Beacon, we offer our clients Excess Liability and Umbrella Policy plans that feature:

  • Occurrence Policy
  • Limits Available ($1,000,000 - $10,000,000)
  • $10,000 Retention
  • Covers over General Liability, Employers Liability & Business Auto Liability

Excess Liability Policy

Much like Umbrella Liability policies, Excess Liability Insurance is also applied to a primary policy in the event that its limits are reached. However, Excess Insurance applies to a single primary policy and does not offer any broader protections to protect them in certain situations that may be excluded by their primary liability policy.

Umbrella Liability Insurance

An Umbrella Policy can be critical in protecting churches, non-profits, and private schools from having to pay any out-of-pocket costs that may remain once the underlying liability policy has reached its limits. Umbrella Liability Coverage can be applied to General Liability Insurance; Employers' Liability Insurance, which is part of Workers' Compensation Insurance; and Commercial Auto/Hired and Non-Owned Auto Insurance policies.
As noted, if a lawsuit exceeds the limits of these policies, a claim can be made on an Umbrella Liability Policy to cover the remaining expenses. In addition, Umbrella Liability offers broader coverage than the underlying primary policies to provide supplementary coverage that may become critical in the event of a lawsuit.

excess liability policy


As one of the nation’s leading church insurance program providers, GuideOne Insurance has nearly 50,000 customers. Learn about our specialized insurance policies today!


We now offer insurance to private schools and Christian schools. We offer policies specifically to ensure that your grounds and everyone on them is thoroughly protected.


Beacon Insurance Agency now provides affordable insurance for nonprofit organizations that cover everything from the property to the people on your staff.

Make Sure You Have The Proper Excess Liability Policy Today!

Could Your Church Afford It?

There are a number of unforeseen situations that could arise and put your church at risk for legal liability above and beyond the coverage of your primary policies. In such an event, an Umbrella Policy or Excess Liability Policy could be the difference between surviving the financial obligations that may result in instances such as:

  • A million-plus-dollar lawsuit filed against your church by an out-of-town visitor who is injured after falling in your sanctuary.
  • A multi-million-dollar lawsuit filed against the church when the minister is involved in an automobile accident that results in multiple injuries during the course of mission-related travel.
  • A volunteer is awarded with a 1.5 million judgment in their favor after sustaining a chronic back injury while conducting maintenance on church property.

After primary liability policies have been purchased, the limits provided within the policies may fall short in instances such as these, where higher litigation amounts exceed the limits of the primary policies or the circumstances of the lawsuit fall outside of certain clauses within the policy. In order to ensure the financial safety of the church, non-profit organization, or private school, it is important to consider the options available for an Excess Liability Policy or an Umbrella Policy from GuideOne Insurance. At Beacon, we specialize in working with the unique needs of churches and provide customized care to protect our clients and free them to pursue their mission of changing the world.

Protect your ministry from extra worry with an Excess Liability Policy! Call the experienced agents at Beacon Insurance Agency to learn more today!