Businesses often purchase liability protection above and beyond their primary automobile, general liability, professional liability or workers’ compensation policies. In some cases, these umbrella policies also are used to cover exclusions in primary policies. At PayneWest Insurance, our advisors work with clients to assess these additional areas of need and determine appropriate coverage levels. We then make recommendations based on a client’s overall insurance program and risk factors. We make sure our clients are properly insured, not over-insured.