Excess Liability and Umbrella
Excess Liability and Umbrella
Your standard policies have a limit. This includes auto insurance, building insurance, and everything else that you have in place. Once the maximum has been reached, you would be expected to pay for everything else out of pocket. If there is a major incident, this could be the downfall to your business.
It’s good business practice to have excess liability and insurance because of the additional coverage that it provides. You may have umbrella insurance to extend to higher limits on your policies but even they have their limits. The excess liability insurance provides that extra protection in the event of an unexpected event.
At L&L Insurance, we can help you determine how much you need for your business and help to find an affordable policy. This is one of the most important types of insurance to have because the policy limits on your other insurance may not be sufficient coverage in the event of a true catastrophe. This kind of policy may be obtained quickly and with a relatively low premium.

Lincolnton NC Location
L&L Insurance Agency
110 Vandiver Dr. Lincolnton, NC 28092
Phone: (704) 732-1811
Office Hours:
Monday thru Friday 9am – 5:00pm

Gastonia NC Location
L&L Insurance Agency
365 N New Hope Rd #2, Gastonia, NC 28054
Phone:(704) 862-6080
Office Hours:
Monday thru Friday 9am – 5:00pm

Winston Salem, NC Location
L&L Insurance Agency
Phone: (336) 793-1505
Office Hours:
Monday thru Friday 9:00 am – 5:00 pm

Clinton, NC Location
L&L Insurance Agency
201-C Northeast Blvd, Clinton NC 28328
Phone: 910-240-3520
Fax: 910-240-4147
Office Hours:
Monday thru Friday 9:00 am – 5:00 pm
Gastonia NC Location
Gastonia Location
365 N New Hope Rd #2
Phone:(704) 862-6080
Lincolnton, NC Location
L&L Insurance Agency
110 Vandiver Dr. Lincolnton, NC 28092
Phone: (704) 732-1811
Winston Salem Location
1001 S Marshall St, Winston Salem, NC 27101
Phone: (336) 793-1503