Current coverage
Have your existing liability policies and limits available for the review.
Commercial Excess Liability Insurance
Request additional liability limits for your business. Review the underlying insurance, requested excess protection and any previous carrier declinations. Currently serving California.
Licensed in California
Menlo Insurance Services is the filed name of Opero Labs Inc. California license #6020106.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
Start with the coverage underneath
Commercial excess is a separate request from commercial umbrella. The market must review the underlying coverage and account before confirming whether it can offer the additional limits your business needs.
Business and location
Describe your operations and where the business is located. State and class availability vary by market.
Placement history
Tell us whether insurers have declined the request and have loss information ready. A previous declination is a review question, not an automatic rejection.
What to prepare for the review
- Current liability policy information
- The additional limits requested
- Prior declinations and available loss information
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Business activities and location
- Underlying coverage and requested limits
- Loss information and placement history
Questions we get asked
Is excess the same as umbrella coverage?
The available markets distinguish the two requests. The broker reviews the underlying insurance and the terms offered for your specific excess request.
Can I request coverage after another insurer declined?
Yes, you can describe the prior declination in the initial request. Market availability and underwriting still determine whether coverage can be offered.
Ready to compare your coverage options?
Start your application online, or talk with a licensed broker about your situation.