Barlocker Insurance Services of San Jose

Commercial Insurance

Overview General Liability Property Business Auto Excess/Umbrella Worker's Compensation Flood Earthquake Transportation

Personal Insurance

Overview Auto Homeowners Renters Flood Earthquake Excess/Umbrella

Value Added Services

Overview Accident & Loss Prevention Services Claims Management Safety Manual Development

Executive Risk

Directors & Officers Employment Practices Professional Liability Fidelity/Crime

Employee/Group Benefits Insurance Glossary Service Timeline

Excess/Umbrella

Businesses require Umbrella or Excess insurance for protection in the event of third party claims arising from their operations. Umbrella or Excess is the casualty insurance protection, from claims in excess of the coverage provided under a business' primary casualty policy.

Most businesses combine the protection from the Umbrella or Excess insurance Policy to protect against the larger more catastrophic claims with General Liability Insurance.