Product background
Commercial umbrella and excess liability provides limits above primary commercial coverage, self-insured retentions, or known gaps in underlying liability programs.
Umbrella and excess filing research should separate follow-form excess coverage from broader umbrella wording, then compare retained limits, underlying insurance schedules, exclusions, and drop-down or gap-filling language.
Common filing signals
- Umbrella and excess policy forms, declarations, schedules, and underlying insurance requirements
- Follow-form, retained limit, drop-down, defense, and aggregate limit provisions
- Pollution, professional liability, cyber, abuse, prior acts, and terrorism exclusions
Rate impact
Filings
454
Carriers
65
Avg impact
+13.9%
Max increase
+95.5%
Max decrease
-15.8%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| IN | 31 | +11.8% |
| WI | 27 | +9.4% |
| TN | 25 | +15.8% |
| CT | 22 | +14.2% |
| GA | 22 | +11.3% |
| MD | 20 | +11.4% |
| OH | 19 | +9.7% |
| ID | 18 | +15.8% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Fairfax Financial Group5 states | +61.1% | 5 |
| Mt. Morris Mutual Insurance Company1 states | +60.0% | 1 |
| Columbia Insurance Group6 states | +46.4% | 6 |
| Markel Corporation Group14 states | +45.0% | 14 |
| MMG Insurance Company2 states | +40.0% | 2 |
| American Family Insurance Group18 states | +36.2% | 18 |
| Amtrust Financial Services Group1 states | +32.9% | 1 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Oct 14, 2025 | Fairfax Financial Group | NC | Nc Cup Min Prem & Rate Factors | +95.5% | +284.9% |
| Jul 2, 2026 | Hannover Group | HI | Hci Umbrella Advantage Program | +93.4% | +140.0% |
| Jul 28, 2026 | Amtrust Financial Services Group | CA | Umbrella Restructure | +88.5% | +103.0% |
| Feb 17, 2026 | Alliance Insurance Group | CO | Cu-Co-10701/Ra | +69.2% | +178.7% |
| Jul 23, 2026 | Columbia Insurance Group | TN | Commercial Umbrella | +63.7% | +250.0% |
| Oct 9, 2025 | Fairfax Financial Group | TN | Tn Cup Min Prem & Rate Factors | +62.7% | +79.3% |
| Feb 17, 2026 | Alliance Insurance Group | SD | Cu-Sd-10701 | +61.1% | +67.9% |
| Jun 29, 2026 | Mt. Morris Mutual Insurance Company | WI | Personal & Commercial Umbrella Rates & Farm Umbrella Manual Pages 07 26 | +60.0% | +67.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Fast Track-Retail Casualty-Retail Excess/Umbrella | Chubb Limited Group | Revised | 109 | Sep 15, 2026 |
| Commercial Umbrella | EMC Insurance Company Group | Revised | 27 | Sep 15, 2026 |
| Commercial Umbrella | Copperpoint Group | New | 15 | Sep 15, 2026 |
| Cu - CGL Limitation Endorsement | Berkshire Hathaway Group | Revised | 7 | Sep 15, 2026 |
| Msig Follow Form Excess Liability | MS & AD Insurance Group | New | 6 | Sep 15, 2026 |
| Excess Casualty Xcu | AXA Insurance Group | Revised | 2 | Sep 15, 2026 |
Top carriers
Chubb Limited Group553
WR Berkley Corporation Group470
Berkshire Hathaway Group404
Zurich Insurance Group376
AXA Insurance Group357
American Financial Group313
Liberty Mutual Group307
Nationwide Corporation Group304
Top states
CT401
WI353
GA340
ID313
NC312
MD302
AL285
IN272