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Umbrella Insurance Layer Calculator
Umbrella coverage stacks in layers. This calculator sizes the total premium.
Total limit
$25,000,000
Total premium
$39,000
Blended rate on line
0.156%
How the math works
Total limit = primary + excess layers. Premium = sum of all layer premiums. Rate on line = total premium ÷ total limit.
Compare rate-on-line at each layer to identify inefficient layers. If your primary is priced at 0.9% and first excess at 0.15%, consider raising primary retention — a $2M to $5M bump on primary often comes with less than proportional premium increase thanks to loss distribution economics.
How to Use
- Enter primary liability limit.
- Enter primary premium.
- Enter excess layer 1 limit.
- Enter excess layer 1 premium.
- Enter excess layer 2 limit.
- Enter excess layer 2 premium.
- Read total limit and premium.
Frequently Asked Questions
Layering?
Primary GL: $1-2M per occurrence. First excess: $5-10M. Second excess: $10-25M. Third: $25-50M. Each layer priced lower (rate decreases as severity decreases). $25M stack often 2-4x primary GL premium.
Who needs stack?
Portfolio owners (multiple assets, cross-liability). High-risk assets (pools, playgrounds, higher traffic). Commercial landlords. Hospitality. Each benefits from $10M+ umbrella above primary. Residential portfolio of 100+ units: $25M+ common.
Rate declines?
Primary GL $2,000/unit annual. First excess $400-800/unit for next $5M. Second excess $200-400 for next $10M. By third excess: $100-200 per unit per $10M. Rate of premium per dollar of coverage drops 50-80% per layer.
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