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Excess and umbrella insurance

We offer stand-alone excess or umbrella products, written over our primary and the primary of other qualifying carriers.

Contract binding authority


  • Commercial umbrella liability. With underlying coverages such as general liability, auto liability, employer's liability, professional liability, liquor liability, garage liability, watercraft liability, aircraft liability and various miscellaneous coverages.
  • Excess liability. Can include excess umbrella coverage, as well as monoline excess auto, general liability, professional, and liquor.


We write a variety of risks including:
  • Alarm contractors
  • Apartments
  • Building – lessor's risk
  • Daycare
  • Commercial contractors – nonresidential
  • Restaurants and bars
  • Security guards
  • Special events / Recreation
  • Transport services


Nationwide's appointed wholesale brokers access our expertise and creativity for standalone excess or umbrella products, written over Nationwide primary and other qualifying carriers. Brokerage Excess has capacity up to $25 million and will consider higher limits through facultative reinsurance arrangements.

Lead excess/umbrella and excess layer policies with attachment points of $100 million or more are available in all 50 states and the District of Columbia. Underlying requirements include AM Best A- V (B+ V for Employers Liability) or better rated primary carriers with minimum primary limits of $1 million/$2 million GL, $1 million auto liability, and $100,000/$500,000/$100,000 employers liability.

For more detailed information about our Brokerage Excess/Umbrella appetite and where we are having success, including updated marketing materials, please visit our Brokerage microsite at: nationwide.com/brokers