Excess Liability Insurance in Temple, Texas

What Is Excess Liability Insurance?

Excess liability insurance provides additional coverage above your primary policy limits without broadening coverage terms. When claims exceed your general liability, auto liability, or employers liability limits, excess coverage pays the difference—up to the excess policy limit. For Temple businesses facing large potential claims, excess liability insurance provides a crucial additional layer of financial protection.

Winkler Insurance helps Central Texas businesses determine how much excess coverage they need and finds competitive rates from trusted carriers.

Why Temple Businesses Need Excess Liability Insurance

Standard policy limits may not be enough for serious claims. Here's why excess coverage matters:

• Catastrophic claims exceed primary limits. A multi-vehicle accident or serious injury can quickly surpass $1 million in damages.


• Business assets need protection. Without adequate coverage, your business assets are vulnerable to large judgments.


• Contracts often require higher limits. Large clients and government contracts frequently require $2 million or more in liability coverage.


• Cost-effective protection. Excess policies provide high limits at relatively low premiums.


• Peace of mind for growth. Adequate coverage lets you pursue larger contracts and projects confidently.

What Does Excess Liability Insurance Cover?

Excess liability follows the same terms as your underlying policies:

Excess Over General Liability
Pays claims exceeding your general liability limits for bodily injury, property damage, and personal injury.

Excess Over Commercial Auto
Covers amounts above your auto liability limits after serious vehicle accidents.

Excess Over Employers Liability
Extends coverage beyond workers compensation employers liability limits for employee injury lawsuits.

Following Form Coverage
Excess policies typically follow the same terms, conditions, and exclusions as underlying policies.

Excess Liability vs. Umbrella Insurance

These coverages are similar but have key differences. Excess liability follows the exact terms of your underlying policies—if something is excluded below, it's excluded above. Umbrella policies may provide broader coverage, filling gaps in underlying policies and covering claims those policies exclude. Winkler Insurance helps Temple businesses understand which option provides better protection for their situation.

How Much Does Excess Liability Insurance Cost in Texas?

Excess liability premiums depend on your underlying limits, industry, and claims history. Most Temple businesses pay $400 to $1,500 annually for $1 million in excess coverage. Additional millions typically cost $200 to $400 per million. High-risk industries pay more. Winkler Insurance compares quotes from multiple carriers to find competitive excess liability rates.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas businesses secure excess liability coverage that properly layers over their primary policies. As an independent agency, we ensure your excess coverage aligns with underlying policies without gaps. Our Temple agents analyze your risk exposure and recommend appropriate limits.

Get an Excess Liability Insurance Quote in Temple, Texas

Our excess liability insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.