Excess Policy or Umbrella Policy? What’s the difference and which is better?

One of the questions a commercial lines underwriter hears most is, “Is your umbrella follow-form?” Basically, will it only increase the limits of my current coverage (follow-form), or will it also offer some additional coverage (umbrella)? Of course, the answer varies depending on the carrier and form being used. But why does it matter? What is the real difference between an umbrella policy and an excess policy? Find out here.


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