Coverage Insights – Key Differences Between Commercial Excess Liability and Umbrella Insurance Policies

Post date May 29, 2025

About Winters-Oliver Insurance Agency

At Winters-Oliver, we help clients mitigate risk by protecting their assets, employees, and all they have built.

Founded in 1945, Winters-Oliver Insurance Agency is an independent insurance agency offering property & casualty insurance to small and middle market businesses. We have built our reputation on creating an easy, comprehensive, and transparent process for meeting the needs of our clients.

Contact Us

7231 Forest Ave,
Suite 202,
Richmond VA 23226
804-746-5178

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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 804-746-5178 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.