Umbrella and excess liability

Markel is Canada’s leading market for umbrella and excess liability insurance. With a highly experienced underwriting team and having handled this class of insurance since 1966, our program offers your client the best protection against lawsuits for catastrophic injuries and property damage.

We offer the most flexible combination of features available in Canada, providing a versatile way of building excess limits. At Markel, we are not afraid of US risks or challenging risks either. Using a broad policy wording and our years of experience, our premiums, terms and conditions are always competitive.

Scope of cover

Coverage features

  • $25M capacity
  • Modern umbrella or excess follow form wordings
  • Occurrence or claims made coverage
  • Cover for US exposures available
  • Excess CGL and auto available
  • Stand-alone cover available

Value adds

  • M. Best rating of XV 
  • Experienced claims staff
  • Dedicated underwriting teams in Vancouver, Toronto and Montreal

Target classes

  • Business and professional services
  • Construction
  • Manufacturing
  • Mercantile
  • Services
  • Wholesale

Excluded Classes

  • Abuse
  • Aircraft products
  • Class 1 railroads
  • Medical devices (implantable)
  • Mining (unless incidental)
  • Pharmaceutical manufacturing
  • Rip and tear
  • Shipbuilding and ship repair
  • Tobacco and cannabis products and producers
  • Transportation (unless incidental)
  • Upstream oil & gas (not including pipelines)
  • Weapons, ammunition, explosives manufacturing

Underwriting information required

  • Minimum underlying limits 
    • $1M General liability
    • $1M automobile liability
  • Completed CGL and Umbrella application (broker or other insurer acceptable)
  • Any supplemental applications or information required by CGL carrier
  • Recently valued 5 years’ claims history for all underlying, along with detailed losses greater than $50,000
  • Description of operations, exposures, controls, and rating basis
  • Automobile fleet information if applicable
  • Expiring and target premiums
  • Underlying terms prior to quoting