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Comprehensive Excess Liability Insurance with 
Sargent Insurance Agency

Enhanced Protection for Your Peace of Mind in Little Rock, Arkansas
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Many years in business

100% customer satisfaction

6 Knowledgeable advisors

Multiple coverage options to choose from

Excess Liability Insurance Provided By Our Agency

Sometimes unexpected events occur – a car accident, a guest slipping and falling on your property, or a lawsuit. Without the right coverage, these situations can jeopardize your financial security. Learn about Excess Liability (Umbrella) coverage and its importance.

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Property Coverage
Auto Coverage
Directors & Officers Coverage
Disaster Coverage
Workers Compensation Coverage

Property coverage

Risk Factors

If the losses to your house exceed the limits of your homeowner's policy, you need to pay the rest from your own pockets.


Excess Liability insurance will respond when the underlying liability limits of your homeowner's policy get exhausted.

Auto coverage

Risk Factors

Your pick and drop van might face an accident and get damaged. You become liable for the damages caused and also for the lawsuits, if any.


If you use a car, truck, van, or combination of vehicles for your childcare business, then you need commercial auto insurance to cover damages and lawsuits in case of an accident.

Directors & officers coverage

Risk Factors

You may get booked for failure to comply with the workplace laws and get into lawsuits.


Excess liability insurance can pay for additional legal expenses if your primary policy fails to cover the entire expense.

Disaster Coverage

Risk Factors

Excess liability insurance can pay for additional legal expenses if your primary policy fails to cover the entire expense.


Excess Liability insurance will respond when the underlying liability limits of your policy gets exhausted.

Workers compensation coverage

Risk Factors

Your housekeeper/nanny slips on your premises while working and gets herself injured.


Excess liability insurance can pay for damages if your primary policy fails to cover the entire expense.

What is Excess Liability Insurance?

Excess Liability, also known as an Umbrella policy, offers extra protection when your regular plans' liability limits—such as those for your house or car—are reached. For example, if you were injured in a car accident and required expensive surgery, you must cover any costs exceeding the at-fault driver's liability limits. This is where Excess Liability coverage from Sargent Insurance Agency in Little Rock would help cover those unexpected expenses.

Types of Excess Liability Insurance

Umbrella liability insurance and excess liability insurance are the two primary varieties of excess liability insurance.

Excess Liability Insurance
This type pays for claims that exceed the limits of your existing policies, based strictly on the underlying scope of coverage, often referred to as a follow-form basis.

Umbrella Liability Insurance 
This serves three primary purposes:

  1. Provides additional limits when the payment exceeds the limits of your underlying liability policies.
  2. Picks up where the underlying policy leaves off when the aggregate amount of the underlying policy is exhausted by claim payments.
  3. Covers certain claims not covered by the underlying policies, subject to the named insured's assumption of a self-insured retention (SIR).

Importance of Excess Liability Insurance

Excess Liability Insurance is crucial because it can increase your coverage for:

  • Lawsuits and legal fees associated with your business
  • Property damage and personal injury cases, such as slips and falls
  • Additional coverage for your Commercial Auto insurance policy
  • Other excess liabilities beyond your primary policy limits

Contact Sargent Insurance Agency at 7107 West 12th St. Suite 103 Little Rock, AR 72204, to learn more about how Excess Liability Insurance can offer you the extra protection you need.

For more information on Excess Liability insurance and to discuss your coverage options, reach out to us today. Protect your financial future with the right insurance solutions from Sargent Insurance Agency in Little Rock, Arkansas.

Already have Excess Liability Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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