Arizona — Umbrella/Excess Liability Insurance

No — it sits above and extends your existing GL, auto and employer's liability policies once their limits are exhausted by a covered claim.

It depends on typical contract requirements and project size — review current insurance specifications rather than defaulting to a round number.

Generally yes, on a cost-per-dollar-of-limit basis, since umbrella prices against lower-frequency, higher-severity exposure.

Yes — most umbrella carriers require the underlying policies to meet specific minimum limits before writing the excess layer above them.

It can create a mismatch between what your primary and umbrella policies each assume is covered — notify the umbrella carrier whenever underlying exposures change.

Increasingly yes — many specify a combined GL-plus-umbrella minimum rather than accepting a standalone primary limit.

Yes — we coordinate umbrella and excess liability as part of a full Arizona contractor program.

Gleason Insurance Brokers is an Arizona-licensed broker, not a single-carrier agent, so umbrella / excess liability insurance in Arizona can be shopped across multiple markets rather than one company's terms. Actual turnaround and pricing depend on submission completeness, the scope of your construction projects, and carrier appetite — share your timeline and budget when requesting a quote so we can prioritize accordingly.

No — an umbrella generally requires specific underlying limits to attach properly. If the underlying general liability, auto or employers liability policy sits below what the umbrella assumes, that gap isn't automatically filled just because the umbrella exists.