Utah — Umbrella/Excess Liability Insurance

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

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

Generally yes, since umbrella prices against lower-frequency, higher-severity exposure.

Not necessarily — umbrella carriers often require specific minimum underlying limits that may exceed the DOPL licensing minimum. Confirm eligibility directly.

It can create a mismatch between what the primary and the umbrella each assume is in place. The Utah version is often seasonal: units added for a summer push, or swapped after a winter loss along the Wasatch Front, reach the primary policy and not the umbrella schedule. Tell both carriers at once, and revisit the umbrella limit when the fleet changes shape rather than only at renewal.

Increasingly yes — many specify a combined GL-plus-umbrella minimum, especially on larger projects.

Yes — as part of a full Utah contractor program.

Gleason Insurance Brokers is a Utah-licensed broker, not a single-carrier agent, so umbrella / excess liability insurance in Utah 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.