Lockton Affinity offers a variety of policy types to fit the complex insurance needs of clients like you. Despite the differences of many companies and organizations, one of the most common insurance policies needed is liability coverage.

However, there are many types of liability coverage. For example, Lockton Affinity offers:

  • Cyber Liability
  • Employment Practices Liability
  • Excess Liability Insurance
  • Fiduciary Liability
  • General Liability
  • Management (Directors & Officers) Liability
  • Professional Liability
  • Reenactment Clubs General Liability
  • Umbrella Liability

While some policies are self-explanatory, many of our clients ask for clarification on the difference between general  and umbrella liability coverage. In short, General Liability is a starting point for coverage against third party claims of damages. Umbrella Liability is an extension of General Liability and offers limits of insurance above the General Liability limits.


About General Liability Insurance

General Liability Insurance is the first line of defense against a third party claim alleging damages. Claims can range from bodily and personal injury to property damage and more. Every business faces a variety of risks that must be protected against.

General Liability Insurance policies have limits on the amount the policy will pay in the event of a single claim. There are also policy aggregate limits which restrict the amount the policy will pay in a given policy term (typically annual), regardless of the number of claims or occurrences. This is where an Umbrella Liability Insurance policy comes into play.


 About Umbrella Liability Insurance

An Umbrella Liability policy provides you coverage beyond your General Liability coverage. Once you have exhausted the limits on your liability policy, your Umbrella Liability insurance can provide the extra coverage.


For information on general and umbrella liability and other policies your business may need, contact us at 913.652.7500 or Info@LocktonAffinity.com.