⛉ Umbrella and Excess Liability
Umbrella and Excess Liability for Businesses & Individuals
General liability coverage is the foundation of a solid risk management strategy—defending your business from everyday legal and financial threats.
Coverage Every Business Needs, No Matter the Industry
Some claims can exceed the limits of your standard policies—and that’s where Umbrella and Excess Liability comes in. At Hako Risk & Insurance, we offer both commercial and personal Umbrella and Excess Liability to provide an extra layer of liability protection beyond the limits of your existing coverage. Whether you need extended protection for your business policies—like general liability, commercial auto, and workers’ compensation—or for your personal policies, such as homeowners or auto insurance, Umbrella and Excess Liability acts as a financial safety net. It helps cover legal fees, large settlements, or judgments when your underlying coverage runs out.
Umbrella and Excess Liability is especially valuable for businesses in high-risk industries like construction, transportation, manufacturing, and social services, as well as for individuals with significant assets or potential exposure to liability claims. Our team works closely with you to assess your risk and structure the right umbrella policy—ensuring full protection with no gaps. With access to top-rated carriers and decades of experience, Hako helps you stay covered—no matter how large the claim.
Our Core Business Coverages
From essential business policies to specialized industry protection, we offer tailored insurance solutions to meet your unique risks.
Our Services
We offer a broad spectrum of insurance solutions designed to meet the unique needs of businesses and individuals:
Reliable bonding services to support your contractual and legal requirements.
Protect What You've Built
Your business deserves more than just a policy—it deserves a partner. Let's discuss how Hako Risk & Insurance can help you minimize risks and maximize protection.
