Umbrella Excess Liability

Vanderbilt provides an Excess Liability Insurance Program for high-end Co-op and Condominium buildings as well as other Commercial exposures throughout the nation.

Our program is written through a Risk Purchasing Group. This is a group of unrelated entities with similar or related liability risks. We are able to utilize group purchasing power to obtain lower pricing while providing broader coverage and service. (*)

As a member of our Risk Purchasing Group each member has its own liability limit and does not share it with other members. You will enjoy all the advantages an RPG provides over a traditional stand-alone policy, such as:

  • Enhanced Coverage Terms
  • Higher Policy Limits
  • Lower Rates
  • No Policy Limit Sharing

We maintain these high levels of protection by carefully screening every potential participant in our program. If your building or your client's building qualifies, you will benefit from superior protection and affordability.


Habitational Risks: Rental Properties, Townhouses, Condominiums, Cooperatives and Home Owners Associations (HOA).

Commercial Risks: Office, Retail, Strip Malls, Warehousing and Light Manufacturing.

Ineligible Risks: Manufacturers, Construction Companies, Enclosed Malls, Nightclub / Bars, Daycare Operations, Assisted Living Facilities & Nursing Homes, Shopping Centers, Passenger Transportation, Hazardous Material and Chemical Storage Facilities, New Construction Operations / Wrap-ups / Builders Risk.

Available Limits

  • $5,000,000
  • $10,000,000
  • $25,000,000
  • $50,000,000
  • $75,000,000
  • $100,000,000
  • $200,000,000

Location Eligibility

Nationwide Program with the exception of Texas, Alaska and Vermont.

(*) Under the Federal Risk Retention Act of 1986, it is legal for such businesses to group together and use their group buying power to purchase liability insurance.