{"id":255,"date":"2024-12-07T05:42:41","date_gmt":"2024-12-07T05:42:41","guid":{"rendered":"https:\/\/34.85.178.93\/?page_id=255"},"modified":"2026-07-19T04:40:05","modified_gmt":"2026-07-19T04:40:05","slug":"umbrella-excess-liability","status":"publish","type":"page","link":"https:\/\/musasinsurance.com\/?page_id=255","title":{"rendered":"Umbrella \/ Excess Liability"},"content":{"rendered":"\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button fotawp-scrollto-top is-style-button-hover-white-bgcolor\"><a class=\"wp-block-button__link has-foregound-alt-color has-tertiary-background-color has-text-color has-background wp-element-button\" style=\"border-radius:50%\">Scroll to Top<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<style data-wp-block-html=\"css\">\n\/* =========================================================\n   MAS INSURANCE\n   COMMERCIAL UMBRELLA & EXCESS LIABILITY PAGE\n   ========================================================= *\/\n\n.mas-commercial-umbrella-page {\n    --mcu-blue: #006dff;\n    --mcu-blue-dark: #0054c7;\n    --mcu-blue-hover: #0058d9;\n    --mcu-navy: #102a43;\n    --mcu-text: #53657a;\n    --mcu-muted: #76879a;\n    --mcu-light-blue: #eaf3ff;\n    --mcu-soft-blue: #f6f9ff;\n    --mcu-border: #dfe9f5;\n    --mcu-white: #ffffff;\n    --mcu-shadow: 0 24px 60px rgba(16, 42, 67, 0.09);\n\n    width: 100%;\n    overflow: hidden;\n    background: #ffffff;\n    color: var(--mcu-navy);\n}\n\n.mas-commercial-umbrella-page *,\n.mas-commercial-umbrella-page *::before,\n.mas-commercial-umbrella-page *::after {\n    box-sizing: border-box;\n}\n\n.mas-commercial-umbrella-page a {\n    text-decoration: none;\n}\n\n.mas-commercial-umbrella-page img {\n    max-width: 100%;\n}\n\n\n\/* =========================================================\n   LABELS\n   ========================================================= *\/\n\n.mcu-label {\n    display: inline-flex;\n    align-items: center;\n    gap: 9px;\n    margin-bottom: 22px;\n    padding: 10px 17px;\n    border: 1px solid rgba(0, 109, 255, 0.12);\n    border-radius: 999px;\n    background: var(--mcu-light-blue);\n    color: var(--mcu-blue);\n    font-size: 11px;\n    line-height: 1;\n    font-weight: 750;\n    letter-spacing: 0.07em;\n    text-transform: uppercase;\n}\n\n.mcu-label::before {\n    content: \"\";\n    width: 8px;\n    height: 8px;\n    flex: 0 0 8px;\n    border-radius: 50%;\n    background: var(--mcu-blue);\n    box-shadow: 0 0 0 5px rgba(0, 109, 255, 0.1);\n}\n\n.mcu-label-light {\n    border-color: rgba(255, 255, 255, 0.2);\n    background: rgba(255, 255, 255, 0.11);\n    color: #ffffff;\n}\n\n.mcu-label-light::before {\n    background: #ffffff;\n    box-shadow: 0 0 0 5px rgba(255, 255, 255, 0.12);\n}\n\n\n\/* =========================================================\n   BUTTONS\n   ========================================================= *\/\n\n.mcu-button {\n    min-height: 58px;\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 11px;\n    padding: 16px 27px;\n    border: 1px solid transparent;\n    border-radius: 14px;\n    font-size: 14px;\n    line-height: 1.2;\n    font-weight: 750;\n    text-align: center;\n    transition:\n        transform 0.25s ease,\n        background-color 0.25s ease,\n        border-color 0.25s ease,\n        color 0.25s ease,\n        box-shadow 0.25s ease;\n}\n\n.mcu-button svg {\n    width: 19px;\n    height: 19px;\n    flex: 0 0 19px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 2;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mcu-button-primary {\n    background: var(--mcu-blue);\n    color: #ffffff;\n    box-shadow: 0 14px 30px rgba(0, 109, 255, 0.24);\n}\n\n.mcu-button-primary:hover {\n    background: var(--mcu-blue-hover);\n    color: #ffffff;\n    transform: translateY(-3px);\n    box-shadow: 0 19px 38px rgba(0, 109, 255, 0.29);\n}\n\n.mcu-button-secondary,\n.mcu-button-outline {\n    border-color: var(--mcu-border);\n    background: #ffffff;\n    color: var(--mcu-navy);\n    box-shadow: 0 9px 25px rgba(16, 42, 67, 0.07);\n}\n\n.mcu-button-secondary:hover,\n.mcu-button-outline:hover {\n    border-color: rgba(0, 109, 255, 0.3);\n    background: var(--mcu-soft-blue);\n    color: var(--mcu-blue);\n    transform: translateY(-3px);\n}\n\n.mcu-button-white {\n    background: #ffffff;\n    color: var(--mcu-blue);\n    box-shadow: 0 16px 35px rgba(0, 0, 0, 0.12);\n}\n\n.mcu-button-white:hover {\n    background: #ffffff;\n    color: var(--mcu-blue);\n    transform: translateY(-3px);\n    box-shadow: 0 21px 40px rgba(0, 0, 0, 0.16);\n}\n\n.mcu-button-glass {\n    border-color: rgba(255, 255, 255, 0.24);\n    background: rgba(255, 255, 255, 0.09);\n    color: #ffffff;\n}\n\n.mcu-button-glass:hover {\n    background: rgba(255, 255, 255, 0.16);\n    color: #ffffff;\n    transform: translateY(-3px);\n}\n\n\n\/* =========================================================\n   HERO\n   ========================================================= *\/\n\n.mcu-hero {\n    position: relative;\n    padding: 100px 30px 92px;\n    background:\n        radial-gradient(\n            circle at 92% 10%,\n            rgba(0, 109, 255, 0.11),\n            transparent 29%\n        ),\n        linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);\n}\n\n.mcu-hero::before {\n    content: \"\";\n    position: absolute;\n    top: -270px;\n    right: -200px;\n    width: 650px;\n    height: 650px;\n    border: 1px solid rgba(0, 109, 255, 0.07);\n    border-radius: 50%;\n    pointer-events: none;\n}\n\n.mcu-hero::after {\n    content: \"\";\n    position: absolute;\n    bottom: 65px;\n    left: -170px;\n    width: 360px;\n    height: 360px;\n    border-radius: 50%;\n    background: radial-gradient(\n        circle,\n        rgba(0, 109, 255, 0.05),\n        transparent 69%\n    );\n    pointer-events: none;\n}\n\n.mcu-hero-container {\n    position: relative;\n    z-index: 2;\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 0.94fr) minmax(500px, 1.06fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mcu-hero-content h1 {\n    max-width: 780px;\n    margin: 0 0 25px;\n    color: var(--mcu-navy);\n    font-size: clamp(52px, 5.3vw, 76px);\n    line-height: 0.99;\n    font-weight: 830;\n    letter-spacing: -0.055em;\n}\n\n.mcu-hero-content h1 span {\n    display: block;\n    color: var(--mcu-blue);\n}\n\n.mcu-hero-content > p {\n    max-width: 680px;\n    margin: 0 0 34px;\n    color: var(--mcu-text);\n    font-size: 19px;\n    line-height: 1.75;\n}\n\n.mcu-hero-buttons {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 14px;\n    margin-bottom: 31px;\n}\n\n.mcu-hero-trust {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 13px 22px;\n}\n\n.mcu-hero-trust span {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n    color: #617286;\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mcu-hero-trust i {\n    width: 22px;\n    height: 22px;\n    display: grid;\n    flex: 0 0 22px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mcu-light-blue);\n    color: var(--mcu-blue);\n    font-size: 12px;\n    font-style: normal;\n    font-weight: 800;\n}\n\n\n\/* =========================================================\n   HERO IMAGE\n   ========================================================= *\/\n\n.mcu-hero-visual {\n    position: relative;\n    min-height: 590px;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n}\n\n.mcu-hero-shape {\n    position: absolute;\n    width: 84%;\n    aspect-ratio: 1;\n    border-radius: 42% 58% 61% 39% \/ 47% 40% 60% 53%;\n    background:\n        linear-gradient(\n            145deg,\n            rgba(0, 109, 255, 0.14),\n            rgba(234, 243, 255, 0.3)\n        );\n    transform: rotate(-4deg);\n}\n\n.mcu-hero-shape::before {\n    content: \"\";\n    position: absolute;\n    inset: 30px;\n    border: 1px solid rgba(0, 109, 255, 0.1);\n    border-radius: inherit;\n}\n\n.mcu-hero-image {\n    position: relative;\n    z-index: 2;\n    display: block;\n    width: 103%;\n    max-width: 710px;\n    height: auto;\n    object-fit: contain;\n    filter: drop-shadow(0 38px 31px rgba(16, 42, 67, 0.16));\n    transition: transform 0.45s ease;\n}\n\n.mcu-hero-visual:hover .mcu-hero-image {\n    transform: translateY(-7px);\n}\n\n\n\/* =========================================================\n   FLOATING HERO CARDS\n   ========================================================= *\/\n\n.mcu-floating-card {\n    position: absolute;\n    z-index: 4;\n    min-width: 225px;\n    display: flex;\n    align-items: center;\n    gap: 11px;\n    padding: 15px 17px;\n    border: 1px solid rgba(255, 255, 255, 0.85);\n    border-radius: 17px;\n    background: rgba(255, 255, 255, 0.9);\n    box-shadow: 0 20px 45px rgba(16, 42, 67, 0.13);\n    backdrop-filter: blur(15px);\n    -webkit-backdrop-filter: blur(15px);\n    animation: mcuFloat 5s ease-in-out infinite;\n}\n\n.mcu-floating-card small {\n    display: block;\n    margin-bottom: 3px;\n    color: #7c8b9d;\n    font-size: 9px;\n    line-height: 1.2;\n    font-weight: 700;\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n}\n\n.mcu-floating-card span:last-child {\n    color: var(--mcu-navy);\n    font-size: 12px;\n    line-height: 1.35;\n    font-weight: 750;\n}\n\n.mcu-floating-icon {\n    width: 43px;\n    height: 43px;\n    display: grid;\n    flex: 0 0 43px;\n    place-items: center;\n    border-radius: 12px;\n    background: var(--mcu-light-blue);\n    color: var(--mcu-blue);\n    font-size: 10px;\n    font-weight: 850;\n}\n\n.mcu-floating-icon svg {\n    width: 22px;\n    height: 22px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mcu-floating-top {\n    top: 65px;\n    left: -20px;\n}\n\n.mcu-floating-bottom {\n    right: -10px;\n    bottom: 67px;\n    animation-delay: 1.8s;\n}\n\n@keyframes mcuFloat {\n    0%,\n    100% {\n        transform: translateY(0);\n    }\n\n    50% {\n        transform: translateY(-9px);\n    }\n}\n\n\n\/* =========================================================\n   BENEFIT BAR\n   ========================================================= *\/\n\n.mcu-benefits {\n    padding: 0 30px 90px;\n    background: #f8fbff;\n}\n\n.mcu-benefits-container {\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    overflow: hidden;\n    border: 1px solid var(--mcu-border);\n    border-radius: 24px;\n    background: #ffffff;\n    box-shadow: 0 22px 65px rgba(16, 42, 67, 0.07);\n}\n\n.mcu-benefit {\n    display: flex;\n    align-items: flex-start;\n    gap: 16px;\n    padding: 31px;\n}\n\n.mcu-benefit + .mcu-benefit {\n    border-left: 1px solid var(--mcu-border);\n}\n\n.mcu-benefit-icon {\n    width: 49px;\n    height: 49px;\n    display: grid;\n    flex: 0 0 49px;\n    place-items: center;\n    border-radius: 14px;\n    background: var(--mcu-light-blue);\n    color: var(--mcu-blue);\n}\n\n.mcu-benefit-icon svg {\n    width: 23px;\n    height: 23px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mcu-benefit h3 {\n    margin: 1px 0 7px;\n    color: var(--mcu-navy);\n    font-size: 17px;\n}\n\n.mcu-benefit p {\n    margin: 0;\n    color: var(--mcu-text);\n    font-size: 13px;\n    line-height: 1.65;\n}\n\n\n\/* =========================================================\n   SHARED SECTIONS\n   ========================================================= *\/\n\n.mcu-section {\n    padding: 110px 30px;\n}\n\n.mcu-section-heading {\n    max-width: 870px;\n    margin: 0 auto 55px;\n    text-align: center;\n}\n\n.mcu-section-heading h2,\n.mcu-faq-heading h2 {\n    margin: 0 0 20px;\n    color: var(--mcu-navy);\n    font-size: clamp(42px, 4.5vw, 61px);\n    line-height: 1.04;\n    font-weight: 820;\n    letter-spacing: -0.048em;\n}\n\n.mcu-section-heading h2 span {\n    color: var(--mcu-blue);\n}\n\n.mcu-section-heading p,\n.mcu-faq-heading > p {\n    margin: 0;\n    color: var(--mcu-text);\n    font-size: 17px;\n    line-height: 1.72;\n}\n\n\n\/* =========================================================\n   INTRO\n   ========================================================= *\/\n\n.mcu-intro {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mcu-intro-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) minmax(410px, 0.78fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mcu-intro-content h2 {\n    max-width: 720px;\n    margin: 0 0 22px;\n    color: var(--mcu-navy);\n    font-size: clamp(42px, 4vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcu-intro-content h2 span {\n    display: block;\n    color: var(--mcu-blue);\n}\n\n.mcu-intro-content > p {\n    max-width: 700px;\n    margin: 0 0 17px;\n    color: var(--mcu-text);\n    font-size: 16px;\n    line-height: 1.75;\n}\n\n.mcu-intro-points {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 13px 20px;\n    margin: 29px 0 32px;\n}\n\n.mcu-intro-points span,\n.mcu-contract-points span,\n.mcu-risk-points span {\n    display: flex;\n    align-items: center;\n    gap: 9px;\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mcu-intro-points span,\n.mcu-risk-points span {\n    color: var(--mcu-text);\n}\n\n.mcu-intro-points i,\n.mcu-risk-points i {\n    width: 23px;\n    height: 23px;\n    display: grid;\n    flex: 0 0 23px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mcu-light-blue);\n    color: var(--mcu-blue);\n    font-size: 11px;\n    font-style: normal;\n}\n\n\n\/* =========================================================\n   LIMIT EXAMPLE CARD\n   ========================================================= *\/\n\n.mcu-limit-card {\n    padding: 38px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 26px;\n    background:\n        linear-gradient(\n            145deg,\n            #ffffff,\n            #f5f9ff\n        );\n    box-shadow: 0 25px 65px rgba(16, 42, 67, 0.09);\n}\n\n.mcu-card-label {\n    display: block;\n    margin-bottom: 13px;\n    color: var(--mcu-blue);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mcu-limit-card h3 {\n    margin: 0 0 28px;\n    color: var(--mcu-navy);\n    font-size: 30px;\n    line-height: 1.12;\n}\n\n.mcu-limit-stack {\n    display: grid;\n    gap: 12px;\n    margin-bottom: 21px;\n}\n\n.mcu-limit-layer {\n    padding: 23px;\n    border-radius: 18px;\n}\n\n.mcu-limit-layer span,\n.mcu-limit-layer strong {\n    display: block;\n}\n\n.mcu-limit-layer span {\n    margin-bottom: 7px;\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.07em;\n    text-transform: uppercase;\n}\n\n.mcu-limit-layer strong {\n    font-size: 23px;\n    line-height: 1.2;\n}\n\n.mcu-limit-umbrella {\n    background:\n        linear-gradient(\n            135deg,\n            var(--mcu-blue),\n            var(--mcu-blue-dark)\n        );\n    color: #ffffff;\n    box-shadow: 0 14px 30px rgba(0, 109, 255, 0.2);\n}\n\n.mcu-limit-umbrella span {\n    color: rgba(255, 255, 255, 0.72);\n}\n\n.mcu-limit-primary {\n    border: 1px solid var(--mcu-border);\n    background: #ffffff;\n    color: var(--mcu-navy);\n}\n\n.mcu-limit-primary span {\n    color: var(--mcu-muted);\n}\n\n.mcu-limit-arrow {\n    position: relative;\n    padding: 8px 0;\n    color: var(--mcu-muted);\n    font-size: 10px;\n    font-weight: 700;\n    text-align: center;\n    text-transform: uppercase;\n    letter-spacing: 0.05em;\n}\n\n.mcu-limit-arrow::before,\n.mcu-limit-arrow::after {\n    content: \"\";\n    position: absolute;\n    top: 50%;\n    width: 25%;\n    height: 1px;\n    background: var(--mcu-border);\n}\n\n.mcu-limit-arrow::before {\n    left: 0;\n}\n\n.mcu-limit-arrow::after {\n    right: 0;\n}\n\n.mcu-limit-card > p {\n    margin: 0;\n    color: var(--mcu-muted);\n    font-size: 11px;\n    line-height: 1.65;\n}\n\n\n\/* =========================================================\n   UMBRELLA VS EXCESS\n   ========================================================= *\/\n\n.mcu-comparison {\n    background: var(--mcu-soft-blue);\n}\n\n.mcu-comparison-grid {\n    width: 100%;\n    max-width: 1080px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 22px;\n}\n\n.mcu-comparison-card {\n    position: relative;\n    display: flex;\n    flex-direction: column;\n    min-height: 500px;\n    padding: 38px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 26px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcu-comparison-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-7px);\n    box-shadow: 0 25px 60px rgba(16, 42, 67, 0.1);\n}\n\n.mcu-comparison-featured {\n    border-color: rgba(0, 109, 255, 0.55);\n    box-shadow: 0 24px 60px rgba(0, 109, 255, 0.12);\n}\n\n.mcu-comparison-badge {\n    position: absolute;\n    top: 0;\n    left: 50%;\n    padding: 8px 17px;\n    border-radius: 0 0 12px 12px;\n    background: var(--mcu-blue);\n    color: #ffffff;\n    font-size: 9px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n    transform: translateX(-50%);\n}\n\n.mcu-comparison-icon,\n.mcu-underlying-icon,\n.mcu-industry-icon,\n.mcu-process-icon,\n.mcu-coverage-icon {\n    display: grid;\n    place-items: center;\n    border-radius: 15px;\n    background: var(--mcu-light-blue);\n    color: var(--mcu-blue);\n}\n\n.mcu-comparison-icon {\n    width: 58px;\n    height: 58px;\n    margin-bottom: 43px;\n}\n\n.mcu-comparison-icon svg,\n.mcu-underlying-icon svg,\n.mcu-industry-icon svg,\n.mcu-process-icon svg,\n.mcu-coverage-icon svg {\n    width: 26px;\n    height: 26px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mcu-comparison-card h3 {\n    margin: 0 0 15px;\n    color: var(--mcu-navy);\n    font-size: 26px;\n}\n\n.mcu-comparison-card > p {\n    margin: 0 0 25px;\n    color: var(--mcu-text);\n    font-size: 14px;\n    line-height: 1.72;\n}\n\n.mcu-comparison-card ul {\n    display: grid;\n    flex: 1;\n    gap: 13px;\n    margin: 0 0 29px;\n    padding: 0;\n    list-style: none;\n}\n\n.mcu-comparison-card li,\n.mcu-industry-card li,\n.mcu-limit-option li,\n.mcu-coverage-card li {\n    position: relative;\n    padding-left: 27px;\n    color: var(--mcu-text);\n    font-size: 13px;\n    line-height: 1.5;\n}\n\n.mcu-comparison-card li::before,\n.mcu-industry-card li::before,\n.mcu-limit-option li::before,\n.mcu-coverage-card li::before {\n    content: \"\u2713\";\n    position: absolute;\n    top: 0;\n    left: 0;\n    width: 19px;\n    height: 19px;\n    display: grid;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mcu-light-blue);\n    color: var(--mcu-blue);\n    font-size: 10px;\n    font-weight: 850;\n}\n\n.mcu-comparison-card > a {\n    display: inline-flex;\n    align-items: center;\n    gap: 8px;\n    color: var(--mcu-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n\n\/* =========================================================\n   UNDERLYING POLICIES\n   ========================================================= *\/\n\n.mcu-underlying {\n    background: #ffffff;\n}\n\n.mcu-underlying-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(4, minmax(0, 1fr));\n    gap: 18px;\n}\n\n.mcu-underlying-card {\n    position: relative;\n    display: flex;\n    flex-direction: column;\n    min-height: 330px;\n    padding: 29px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 22px;\n    background:\n        linear-gradient(\n            145deg,\n            #ffffff,\n            #f9fbff\n        );\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcu-underlying-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-6px);\n    box-shadow: 0 22px 50px rgba(16, 42, 67, 0.08);\n}\n\n.mcu-underlying-number {\n    position: absolute;\n    top: 28px;\n    right: 28px;\n    color: #c7d7e8;\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcu-underlying-icon {\n    width: 52px;\n    height: 52px;\n    margin-bottom: 38px;\n}\n\n.mcu-underlying-card h3 {\n    margin: 0 0 12px;\n    color: var(--mcu-navy);\n    font-size: 19px;\n}\n\n.mcu-underlying-card > p {\n    flex: 1;\n    margin: 0 0 22px;\n    color: var(--mcu-text);\n    font-size: 13px;\n    line-height: 1.68;\n}\n\n.mcu-underlying-card > a {\n    display: inline-flex;\n    align-items: center;\n    gap: 8px;\n    color: var(--mcu-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n\n\/* =========================================================\n   INDUSTRIES\n   ========================================================= *\/\n\n.mcu-industries {\n    background: var(--mcu-soft-blue);\n}\n\n.mcu-industry-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 19px;\n}\n\n.mcu-industry-card {\n    position: relative;\n    min-height: 415px;\n    padding: 31px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 23px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcu-industry-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-6px);\n    box-shadow: 0 22px 50px rgba(16, 42, 67, 0.08);\n}\n\n.mcu-industry-number {\n    position: absolute;\n    top: 29px;\n    right: 29px;\n    color: #c7d7e8;\n    font-size: 11px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcu-industry-icon {\n    width: 53px;\n    height: 53px;\n    margin-bottom: 36px;\n}\n\n.mcu-industry-card h3 {\n    margin: 0 0 12px;\n    color: var(--mcu-navy);\n    font-size: 20px;\n}\n\n.mcu-industry-card > p {\n    margin: 0 0 22px;\n    color: var(--mcu-text);\n    font-size: 13px;\n    line-height: 1.68;\n}\n\n.mcu-industry-card ul {\n    display: grid;\n    gap: 11px;\n    margin: 0;\n    padding: 0;\n    list-style: none;\n}\n\n\n\/* =========================================================\n   CLAIM SCENARIOS\n   ========================================================= *\/\n\n.mcu-scenarios {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 84% 18%,\n            rgba(255, 255, 255, 0.12),\n            transparent 28%\n        ),\n        linear-gradient(\n            135deg,\n            #006dff 0%,\n            #0053c7 100%\n        );\n}\n\n.mcu-scenarios-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n}\n\n.mcu-scenarios-heading {\n    max-width: 820px;\n    margin-bottom: 50px;\n}\n\n.mcu-scenarios-heading h2 {\n    margin: 0 0 19px;\n    color: #ffffff;\n    font-size: clamp(42px, 4.2vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcu-scenarios-heading p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.76);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mcu-scenario-grid {\n    display: grid;\n    grid-template-columns: repeat(4, minmax(0, 1fr));\n    gap: 16px;\n}\n\n.mcu-scenario-grid article {\n    display: flex;\n    flex-direction: column;\n    min-height: 310px;\n    padding: 29px;\n    border: 1px solid rgba(255, 255, 255, 0.18);\n    border-radius: 21px;\n    background: rgba(255, 255, 255, 0.1);\n    backdrop-filter: blur(12px);\n    -webkit-backdrop-filter: blur(12px);\n    transition:\n        transform 0.3s ease,\n        background-color 0.3s ease;\n}\n\n.mcu-scenario-grid article:hover {\n    background: rgba(255, 255, 255, 0.15);\n    transform: translateY(-5px);\n}\n\n.mcu-scenario-number {\n    display: block;\n    margin-bottom: 37px;\n    color: rgba(255, 255, 255, 0.55);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcu-scenario-grid h3 {\n    margin: 0 0 11px;\n    color: #ffffff;\n    font-size: 19px;\n}\n\n.mcu-scenario-grid p {\n    flex: 1;\n    margin: 0 0 20px;\n    color: rgba(255, 255, 255, 0.72);\n    font-size: 12px;\n    line-height: 1.68;\n}\n\n.mcu-scenario-grid strong {\n    color: #ffffff;\n    font-size: 11px;\n    line-height: 1.5;\n}\n\n\n\/* =========================================================\n   LIMIT OPTIONS\n   ========================================================= *\/\n\n.mcu-limits {\n    background: #ffffff;\n}\n\n.mcu-limit-options {\n    width: 100%;\n    max-width: 1180px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 20px;\n}\n\n.mcu-limit-option {\n    position: relative;\n    display: flex;\n    flex-direction: column;\n    min-height: 445px;\n    padding: 36px 31px 31px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 25px;\n    background: #ffffff;\n    box-shadow: 0 20px 55px rgba(16, 42, 67, 0.06);\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcu-limit-option:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-7px);\n    box-shadow: 0 27px 65px rgba(16, 42, 67, 0.11);\n}\n\n.mcu-limit-option-featured {\n    border-color: var(--mcu-blue);\n    box-shadow: 0 25px 65px rgba(0, 109, 255, 0.15);\n    transform: translateY(-10px);\n}\n\n.mcu-limit-option-featured:hover {\n    transform: translateY(-16px);\n}\n\n.mcu-limit-option-badge {\n    position: absolute;\n    top: 0;\n    left: 50%;\n    padding: 8px 16px;\n    border-radius: 0 0 12px 12px;\n    background: var(--mcu-blue);\n    color: #ffffff;\n    font-size: 9px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n    white-space: nowrap;\n    transform: translateX(-50%);\n}\n\n.mcu-limit-option-label {\n    display: block;\n    margin-bottom: 24px;\n    color: var(--mcu-muted);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mcu-limit-option > strong {\n    display: block;\n    margin-bottom: 11px;\n    color: var(--mcu-blue);\n    font-size: 52px;\n    line-height: 1;\n    font-weight: 850;\n    letter-spacing: -0.05em;\n}\n\n.mcu-limit-option h3 {\n    margin: 0 0 14px;\n    color: var(--mcu-navy);\n    font-size: 22px;\n}\n\n.mcu-limit-option > p {\n    flex: 1;\n    margin: 0 0 27px;\n    color: var(--mcu-text);\n    font-size: 13px;\n    line-height: 1.72;\n}\n\n.mcu-limit-option .mcu-button {\n    width: 100%;\n}\n\n.mcu-limit-disclaimer {\n    max-width: 800px;\n    margin: 32px auto 0;\n    color: var(--mcu-muted);\n    font-size: 11px;\n    line-height: 1.65;\n    text-align: center;\n}\n\n\n\/* =========================================================\n   CONTRACT REQUIREMENTS\n   ========================================================= *\/\n\n.mcu-contracts {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 85% 18%,\n            rgba(255, 255, 255, 0.12),\n            transparent 28%\n        ),\n        linear-gradient(\n            135deg,\n            #006dff 0%,\n            #0053c7 100%\n        );\n}\n\n.mcu-contracts-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) minmax(430px, 0.82fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mcu-contract-content h2 {\n    max-width: 720px;\n    margin: 0 0 21px;\n    color: #ffffff;\n    font-size: clamp(42px, 4vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcu-contract-content > p {\n    max-width: 690px;\n    margin: 0 0 31px;\n    color: rgba(255, 255, 255, 0.78);\n    font-size: 17px;\n    line-height: 1.75;\n}\n\n.mcu-contract-points {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 13px 20px;\n}\n\n.mcu-contract-points span {\n    color: #ffffff;\n}\n\n.mcu-contract-points i {\n    width: 23px;\n    height: 23px;\n    display: grid;\n    flex: 0 0 23px;\n    place-items: center;\n    border-radius: 50%;\n    background: rgba(255, 255, 255, 0.14);\n    color: #ffffff;\n    font-size: 11px;\n    font-style: normal;\n}\n\n.mcu-contract-panel {\n    padding: 38px;\n    border: 1px solid rgba(255, 255, 255, 0.19);\n    border-radius: 26px;\n    background: rgba(255, 255, 255, 0.11);\n    backdrop-filter: blur(15px);\n    -webkit-backdrop-filter: blur(15px);\n}\n\n.mcu-contract-panel-label {\n    display: block;\n    margin-bottom: 17px;\n    color: rgba(255, 255, 255, 0.65);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mcu-contract-panel h3 {\n    margin: 0 0 17px;\n    color: #ffffff;\n    font-size: 27px;\n    line-height: 1.15;\n}\n\n.mcu-contract-panel > p {\n    margin: 0 0 25px;\n    color: rgba(255, 255, 255, 0.74);\n    font-size: 13px;\n    line-height: 1.7;\n}\n\n.mcu-contract-panel-list {\n    display: grid;\n    gap: 12px;\n}\n\n.mcu-contract-panel-list span {\n    padding: 13px 15px;\n    border: 1px solid rgba(255, 255, 255, 0.13);\n    border-radius: 12px;\n    background: rgba(255, 255, 255, 0.07);\n    color: rgba(255, 255, 255, 0.84);\n    font-size: 12px;\n}\n\n\n\/* =========================================================\n   COVERAGE CONSIDERATIONS \/ LIMITATIONS\n   ========================================================= *\/\n\n.mcu-coverages,\n.mcu-exclusions {\n    background: var(--mcu-soft-blue);\n}\n\n.mcu-coverage-grid,\n.mcu-exclusion-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 19px;\n}\n\n.mcu-coverage-card,\n.mcu-exclusion-grid article {\n    position: relative;\n    min-height: 285px;\n    padding: 30px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 22px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcu-coverage-card:hover,\n.mcu-exclusion-grid article:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-5px);\n    box-shadow: 0 22px 50px rgba(16, 42, 67, 0.08);\n}\n\n.mcu-coverage-icon {\n    width: 52px;\n    height: 52px;\n    margin-bottom: 28px;\n}\n\n.mcu-coverage-card h3,\n.mcu-exclusion-grid h3 {\n    margin: 0 0 11px;\n    color: var(--mcu-navy);\n    font-size: 19px;\n}\n\n.mcu-coverage-card p,\n.mcu-exclusion-grid p {\n    margin: 0;\n    color: var(--mcu-text);\n    font-size: 13px;\n    line-height: 1.68;\n}\n\n.mcu-exclusion-grid article > span {\n    display: block;\n    margin-bottom: 36px;\n    color: var(--mcu-blue);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n\n\/* =========================================================\n   UNDERWRITING \/ PREMIUM FACTORS\n   ========================================================= *\/\n\n.mcu-underwriting,\n.mcu-risk-factors {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mcu-underwriting-container,\n.mcu-risk-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.75fr) minmax(0, 1.25fr);\n    align-items: start;\n    gap: 70px;\n}\n\n.mcu-underwriting-content,\n.mcu-risk-content {\n    position: sticky;\n    top: 40px;\n}\n\n.mcu-underwriting-content h2,\n.mcu-risk-content h2 {\n    margin: 0 0 19px;\n    color: var(--mcu-navy);\n    font-size: clamp(42px, 4vw, 58px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcu-underwriting-content p,\n.mcu-risk-content p {\n    margin: 0 0 29px;\n    color: var(--mcu-text);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mcu-underwriting-grid,\n.mcu-risk-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 17px;\n}\n\n.mcu-underwriting-grid article,\n.mcu-risk-grid article {\n    min-height: 220px;\n    padding: 28px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 21px;\n    background:\n        linear-gradient(\n            145deg,\n            #ffffff,\n            #f9fbff\n        );\n}\n\n.mcu-underwriting-grid article > span,\n.mcu-risk-grid article > span {\n    display: block;\n    margin-bottom: 36px;\n    color: var(--mcu-blue);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcu-underwriting-grid h3,\n.mcu-risk-grid h3 {\n    margin: 0 0 10px;\n    color: var(--mcu-navy);\n    font-size: 18px;\n}\n\n.mcu-underwriting-grid p,\n.mcu-risk-grid p {\n    margin: 0;\n    color: var(--mcu-text);\n    font-size: 12px;\n    line-height: 1.65;\n}\n\n\n\/* =========================================================\n   PROCESS\n   ========================================================= *\/\n\n.mcu-process {\n    background: #ffffff;\n}\n\n.mcu-process-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 20px;\n}\n\n.mcu-process-card {\n    position: relative;\n    min-height: 350px;\n    padding: 32px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 23px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcu-process-card:hover {\n    border-color: rgba(0, 109, 255, 0.23);\n    transform: translateY(-7px);\n    box-shadow: 0 24px 54px rgba(16, 42, 67, 0.1);\n}\n\n.mcu-process-number {\n    position: absolute;\n    top: 28px;\n    right: 28px;\n    color: #c7d7e8;\n    font-size: 12px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcu-process-icon {\n    width: 55px;\n    height: 55px;\n    margin-bottom: 50px;\n}\n\n.mcu-process-card h3 {\n    margin: 0 0 13px;\n    color: var(--mcu-navy);\n    font-size: 21px;\n}\n\n.mcu-process-card p {\n    margin: 0 0 23px;\n    color: var(--mcu-text);\n    font-size: 13px;\n    line-height: 1.72;\n}\n\n.mcu-process-card a {\n    display: inline-flex;\n    align-items: center;\n    gap: 8px;\n    color: var(--mcu-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n\n\/* =========================================================\n   QUOTE REQUIREMENTS\n   ========================================================= *\/\n\n.mcu-quote-info {\n    padding: 110px 30px;\n    background: var(--mcu-soft-blue);\n}\n\n.mcu-quote-info-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.75fr) minmax(0, 1.25fr);\n    align-items: start;\n    gap: 70px;\n}\n\n.mcu-quote-heading {\n    position: sticky;\n    top: 40px;\n}\n\n.mcu-quote-heading h2 {\n    margin: 0 0 19px;\n    color: var(--mcu-navy);\n    font-size: clamp(42px, 4vw, 58px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcu-quote-heading p {\n    margin: 0 0 29px;\n    color: var(--mcu-text);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mcu-requirements-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 17px;\n}\n\n.mcu-requirement {\n    min-height: 220px;\n    padding: 28px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 21px;\n    background: #ffffff;\n}\n\n.mcu-requirement > span {\n    display: block;\n    margin-bottom: 36px;\n    color: var(--mcu-blue);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcu-requirement h3 {\n    margin: 0 0 10px;\n    color: var(--mcu-navy);\n    font-size: 18px;\n}\n\n.mcu-requirement p {\n    margin: 0;\n    color: var(--mcu-text);\n    font-size: 12px;\n    line-height: 1.65;\n}\n\n\n\/* =========================================================\n   CTA\n   ========================================================= *\/\n\n.mcu-cta {\n    padding: 40px 30px;\n    background: #ffffff;\n}\n\n.mcu-cta-container {\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    padding: 65px 70px;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 45px;\n    overflow: hidden;\n    border-radius: 30px;\n    background:\n        radial-gradient(\n            circle at 90% 0%,\n            rgba(255, 255, 255, 0.14),\n            transparent 29%\n        ),\n        linear-gradient(\n            135deg,\n            #006dff,\n            #004ebc\n        );\n    box-shadow: 0 30px 75px rgba(0, 88, 217, 0.21);\n}\n\n.mcu-cta-container h2 {\n    max-width: 740px;\n    margin: 0 0 15px;\n    color: #ffffff;\n    font-size: clamp(38px, 4vw, 55px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.045em;\n}\n\n.mcu-cta-container p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.76);\n    font-size: 15px;\n    line-height: 1.65;\n}\n\n.mcu-cta-container p a {\n    color: #ffffff;\n    font-weight: 750;\n}\n\n.mcu-cta-buttons {\n    display: flex;\n    flex: 0 0 auto;\n    flex-direction: column;\n    gap: 12px;\n}\n\n\n\/* =========================================================\n   FAQ\n   ========================================================= *\/\n\n.mcu-faq {\n    background: #ffffff;\n}\n\n.mcu-faq-layout {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.78fr) minmax(0, 1.22fr);\n    align-items: start;\n    gap: 75px;\n}\n\n.mcu-help-card {\n    margin-top: 30px;\n    padding: 25px;\n    border: 1px solid var(--mcu-border);\n    border-radius: 19px;\n    background: var(--mcu-soft-blue);\n}\n\n.mcu-help-card span,\n.mcu-help-card strong {\n    display: block;\n}\n\n.mcu-help-card span {\n    margin-bottom: 7px;\n    color: var(--mcu-muted);\n    font-size: 11px;\n}\n\n.mcu-help-card strong {\n    margin-bottom: 14px;\n    color: var(--mcu-navy);\n    font-size: 15px;\n}\n\n.mcu-help-card a {\n    color: var(--mcu-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n.mcu-faq-list {\n    display: grid;\n    gap: 13px;\n}\n\n.mcu-faq-list details {\n    border: 1px solid var(--mcu-border);\n    border-radius: 17px;\n    background: #ffffff;\n    transition:\n        border-color 0.25s ease,\n        box-shadow 0.25s ease;\n}\n\n.mcu-faq-list details[open] {\n    border-color: rgba(0, 109, 255, 0.24);\n    box-shadow: 0 17px 40px rgba(16, 42, 67, 0.07);\n}\n\n.mcu-faq-list summary {\n    min-height: 74px;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 25px;\n    padding: 20px 23px;\n    color: var(--mcu-navy);\n    font-size: 14px;\n    line-height: 1.4;\n    font-weight: 750;\n    cursor: pointer;\n    list-style: none;\n}\n\n.mcu-faq-list summary::-webkit-details-marker {\n    display: none;\n}\n\n.mcu-faq-list summary span {\n    width: 29px;\n    height: 29px;\n    display: grid;\n    flex: 0 0 29px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mcu-light-blue);\n    color: var(--mcu-blue);\n    font-size: 18px;\n    font-weight: 500;\n    transition: transform 0.25s ease;\n}\n\n.mcu-faq-list details[open] summary span {\n    transform: rotate(45deg);\n}\n\n.mcu-faq-list details > div {\n    padding: 0 23px 23px;\n    color: var(--mcu-text);\n    font-size: 13px;\n    line-height: 1.75;\n}\n\n\n\/* =========================================================\n   TABLET AND SMALL DESKTOP\n   ========================================================= *\/\n\n@media (max-width: 1100px) {\n\n    .mcu-hero-container {\n        grid-template-columns: minmax(0, 0.95fr) minmax(430px, 1.05fr);\n        gap: 40px;\n    }\n\n    .mcu-underlying-grid {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mcu-industry-grid,\n    .mcu-coverage-grid,\n    .mcu-exclusion-grid {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mcu-scenario-grid {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mcu-contracts-container {\n        gap: 45px;\n    }\n\n    .mcu-cta-container {\n        padding: 55px 45px;\n    }\n}\n\n\n\/* =========================================================\n   TABLET\n   ========================================================= *\/\n\n@media (max-width: 900px) {\n\n    .mcu-hero {\n        padding: 75px 22px 70px;\n    }\n\n    .mcu-hero-container,\n    .mcu-intro-container,\n    .mcu-contracts-container,\n    .mcu-underwriting-container,\n    .mcu-risk-container,\n    .mcu-quote-info-container,\n    .mcu-faq-layout {\n        grid-template-columns: 1fr;\n    }\n\n    .mcu-hero-content {\n        max-width: 780px;\n        margin: 0 auto;\n        text-align: center;\n    }\n\n    .mcu-hero-content > p {\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mcu-hero-buttons,\n    .mcu-hero-trust {\n        justify-content: center;\n    }\n\n    .mcu-hero-visual {\n        min-height: 510px;\n    }\n\n    .mcu-benefits-container {\n        grid-template-columns: 1fr;\n    }\n\n    .mcu-benefit + .mcu-benefit {\n        border-top: 1px solid var(--mcu-border);\n        border-left: 0;\n    }\n\n    .mcu-section,\n    .mcu-intro,\n    .mcu-scenarios,\n    .mcu-contracts,\n    .mcu-underwriting,\n    .mcu-risk-factors,\n    .mcu-quote-info {\n        padding: 85px 22px;\n    }\n\n    .mcu-comparison-grid {\n        grid-template-columns: 1fr;\n        max-width: 650px;\n    }\n\n    .mcu-limit-options {\n        grid-template-columns: 1fr;\n        max-width: 620px;\n    }\n\n    .mcu-limit-option-featured,\n    .mcu-limit-option-featured:hover {\n        transform: none;\n    }\n\n    .mcu-contract-content {\n        text-align: center;\n    }\n\n    .mcu-contract-content h2,\n    .mcu-contract-content > p {\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mcu-contract-points {\n        max-width: 650px;\n        margin-right: auto;\n        margin-left: auto;\n        text-align: left;\n    }\n\n    .mcu-underwriting-content,\n    .mcu-risk-content,\n    .mcu-quote-heading {\n        position: static;\n        max-width: 720px;\n        text-align: center;\n    }\n\n    .mcu-process-grid {\n        grid-template-columns: 1fr;\n        max-width: 650px;\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mcu-cta-container {\n        flex-direction: column;\n        text-align: center;\n    }\n\n    .mcu-cta-buttons {\n        width: 100%;\n        max-width: 460px;\n    }\n}\n\n\n\/* =========================================================\n   MOBILE\n   ========================================================= *\/\n\n@media (max-width: 650px) {\n\n    .mcu-hero {\n        padding: 60px 17px 52px;\n    }\n\n    .mcu-hero-content h1 {\n        font-size: 44px;\n    }\n\n    .mcu-hero-content > p {\n        font-size: 16px;\n        line-height: 1.66;\n    }\n\n    .mcu-hero-buttons {\n        display: grid;\n        grid-template-columns: 1fr;\n    }\n\n    .mcu-button {\n        width: 100%;\n    }\n\n    .mcu-hero-trust {\n        width: fit-content;\n        display: grid;\n        justify-content: start;\n        margin: 0 auto;\n        text-align: left;\n    }\n\n    .mcu-hero-visual {\n        min-height: 385px;\n    }\n\n    .mcu-hero-image {\n        width: 114%;\n    }\n\n    .mcu-floating-card {\n        display: none;\n    }\n\n    .mcu-benefits {\n        padding: 0 17px 70px;\n    }\n\n    .mcu-benefit {\n        padding: 25px 22px;\n    }\n\n    .mcu-section,\n    .mcu-intro,\n    .mcu-scenarios,\n    .mcu-contracts,\n    .mcu-underwriting,\n    .mcu-risk-factors,\n    .mcu-quote-info {\n        padding: 70px 17px;\n    }\n\n    .mcu-section-heading {\n        margin-bottom: 40px;\n    }\n\n    .mcu-section-heading h2,\n    .mcu-faq-heading h2,\n    .mcu-intro-content h2,\n    .mcu-scenarios-heading h2,\n    .mcu-contract-content h2,\n    .mcu-underwriting-content h2,\n    .mcu-risk-content h2,\n    .mcu-quote-heading h2 {\n        font-size: 39px;\n    }\n\n    .mcu-section-heading p,\n    .mcu-faq-heading > p,\n    .mcu-intro-content > p,\n    .mcu-scenarios-heading p,\n    .mcu-contract-content > p {\n        font-size: 15px;\n    }\n\n    .mcu-intro-points,\n    .mcu-underlying-grid,\n    .mcu-industry-grid,\n    .mcu-scenario-grid,\n    .mcu-contract-points,\n    .mcu-coverage-grid,\n    .mcu-exclusion-grid,\n    .mcu-underwriting-grid,\n    .mcu-risk-grid,\n    .mcu-requirements-grid {\n        grid-template-columns: 1fr;\n    }\n\n    .mcu-limit-card,\n    .mcu-contract-panel {\n        padding: 29px 23px;\n    }\n\n    .mcu-comparison-card {\n        min-height: auto;\n        padding: 31px 25px;\n    }\n\n    .mcu-underlying-card,\n    .mcu-industry-card,\n    .mcu-scenario-grid article,\n    .mcu-limit-option,\n    .mcu-coverage-card,\n    .mcu-exclusion-grid article,\n    .mcu-underwriting-grid article,\n    .mcu-risk-grid article,\n    .mcu-requirement {\n        min-height: auto;\n    }\n\n    .mcu-limit-option {\n        padding: 35px 25px 27px;\n    }\n\n    .mcu-limit-option > strong {\n        font-size: 46px;\n    }\n\n    .mcu-cta {\n        padding: 25px 17px;\n    }\n\n    .mcu-cta-container {\n        padding: 47px 23px;\n        border-radius: 24px;\n    }\n\n    .mcu-cta-container h2 {\n        font-size: 39px;\n    }\n\n    .mcu-faq-list summary {\n        padding: 19px;\n        font-size: 13px;\n    }\n\n    .mcu-faq-list details > div {\n        padding: 0 19px 20px;\n    }\n}\n\n\n\/* =========================================================\n   VERY SMALL MOBILE\n   ========================================================= *\/\n\n@media (max-width: 420px) {\n\n    .mcu-hero-content h1 {\n        font-size: 39px;\n    }\n\n    .mcu-section-heading h2,\n    .mcu-faq-heading h2,\n    .mcu-intro-content h2,\n    .mcu-scenarios-heading h2,\n    .mcu-contract-content h2,\n    .mcu-underwriting-content h2,\n    .mcu-risk-content h2,\n    .mcu-quote-heading h2,\n    .mcu-cta-container h2 {\n        font-size: 35px;\n    }\n\n    .mcu-label {\n        padding: 9px 13px;\n        font-size: 9px;\n    }\n\n    .mcu-hero-visual {\n        min-height: 330px;\n    }\n\n    .mcu-limit-card h3 {\n        font-size: 25px;\n    }\n\n    .mcu-limit-layer strong {\n        font-size: 20px;\n    }\n}\n\n\n\/* =========================================================\n   REDUCED MOTION\n   ========================================================= *\/\n\n@media (prefers-reduced-motion: reduce) {\n\n    .mas-commercial-umbrella-page *,\n    .mas-commercial-umbrella-page *::before,\n    .mas-commercial-umbrella-page *::after {\n        animation: none !important;\n        scroll-behavior: auto !important;\n        transition: none !important;\n    }\n}\n<\/style>\n\n<div class=\"mas-commercial-umbrella-page\">\n\n    <!-- HERO -->\n    <section class=\"mcu-hero\">\n\n        <div class=\"mcu-hero-container\">\n\n            <div class=\"mcu-hero-content\">\n\n                <span class=\"mcu-label\">\n                    Commercial Umbrella &amp; Excess Liability\n                <\/span>\n\n                <h1>\n                    More protection for\n                    <span>life\u2019s biggest claims.<\/span>\n                <\/h1>\n\n                <p>\n                    Add another layer of liability protection above your\n                    primary commercial policies and help protect your business\n                    against severe claims, lawsuits and contractual exposures.\n                <\/p>\n\n                <div class=\"mcu-hero-buttons\">\n\n                    <a href=\"\/contact-us\/\" class=\"mcu-button mcu-button-primary\">\n\n                        Quote Online\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                        <\/svg>\n\n                    <\/a>\n\n                    <a href=\"tel:3054282005\" class=\"mcu-button mcu-button-secondary\">\n\n                        Request a Call\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6A19.79 19.79 0 0 1 2.12 4.18 2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72c.12.9.33 1.78.62 2.63a2 2 0 0 1-.45 2.11L8 9.73a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45c.85.29 1.73.5 2.63.62A2 2 0 0 1 22 16.92Z\"><\/path>\n                        <\/svg>\n\n                    <\/a>\n\n                <\/div>\n\n                <div class=\"mcu-hero-trust\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Limits starting at $1 million\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Multiple carrier options\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Contract-ready coverage\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mcu-hero-visual\">\n\n                <div class=\"mcu-hero-shape\"><\/div>\n\n                <img decoding=\"async\" src=\"https:\/\/musasinsurance.com\/wp-content\/uploads\/2025\/02\/Untitled-Instagram-Post-2-2.png\" alt=\"Commercial umbrella and excess liability insurance\" class=\"mcu-hero-image\">\n\n                <div class=\"mcu-floating-card mcu-floating-top\">\n\n                    <span class=\"mcu-floating-icon\">\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                            <path d=\"m9 12 2 2 4-4\"><\/path>\n                        <\/svg>\n\n                    <\/span>\n\n                    <span>\n                        <small>Extra liability limits<\/small>\n                        Protection above primary policies\n                    <\/span>\n\n                <\/div>\n\n\n                <div class=\"mcu-floating-card mcu-floating-bottom\">\n\n                    <span class=\"mcu-floating-icon\">\n                        $1M+\n                    <\/span>\n\n                    <span>\n                        <small>Flexible limit options<\/small>\n                        Built around your exposure\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- BENEFIT BAR -->\n    <section class=\"mcu-benefits\">\n\n        <div class=\"mcu-benefits-container\">\n\n            <article class=\"mcu-benefit\">\n\n                <span class=\"mcu-benefit-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 19V9M10 19V5M16 19v-7M22 19V3\"><\/path>\n                        <path d=\"M2 19h22\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <div>\n\n                    <h3>Higher Liability Limits<\/h3>\n\n                    <p>\n                        Add millions of dollars in available protection above\n                        eligible primary policies.\n                    <\/p>\n\n                <\/div>\n\n            <\/article>\n\n\n            <article class=\"mcu-benefit\">\n\n                <span class=\"mcu-benefit-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M6 3h9l4 4v14H6Z\"><\/path>\n                        <path d=\"M14 3v5h5M9 13h6M9 17h6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <div>\n\n                    <h3>Meet Contract Requirements<\/h3>\n\n                    <p>\n                        Satisfy customers, project owners and landlords that\n                        require limits above your primary coverage.\n                    <\/p>\n\n                <\/div>\n\n            <\/article>\n\n\n            <article class=\"mcu-benefit\">\n\n                <span class=\"mcu-benefit-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"8\" r=\"4\"><\/circle>\n                        <path d=\"M4 21a8 8 0 0 1 16 0\"><\/path>\n                        <path d=\"m16 11 2 2 4-4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <div>\n\n                    <h3>Specialized Guidance<\/h3>\n\n                    <p>\n                        Review underlying limits, exclusions, contracts and\n                        industry exposures with a commercial agent.\n                    <\/p>\n\n                <\/div>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- INTRO -->\n    <section class=\"mcu-intro\">\n\n        <div class=\"mcu-intro-container\">\n\n            <div class=\"mcu-intro-content\">\n\n                <span class=\"mcu-label\">\n                    Protection beyond your primary limits\n                <\/span>\n\n                <h2>\n                    A financial safety net for\n                    <span>high-severity liability claims.<\/span>\n                <\/h2>\n\n                <p>\n                    Commercial umbrella or excess liability insurance can\n                    provide additional limits after an eligible underlying\n                    policy has paid up to its applicable limit.\n                <\/p>\n\n                <p>\n                    Depending on the policy form, the additional protection may\n                    apply above commercial general liability, commercial auto\n                    liability, employers liability or other scheduled primary\n                    policies.\n                <\/p>\n\n                <div class=\"mcu-intro-points\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Severe bodily injury claims\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Large property-damage claims\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Catastrophic auto accidents\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Products-liability lawsuits\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Eligible legal-defense expenses\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Contract-required limits\n                    <\/span>\n\n                <\/div>\n\n                <a href=\"\/contact-us\/\" class=\"mcu-button mcu-button-primary\">\n\n                    Review My Liability Limits\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n\n                <\/a>\n\n            <\/div>\n\n\n            <div class=\"mcu-limit-card\">\n\n                <span class=\"mcu-card-label\">\n                    How the coverage can respond\n                <\/span>\n\n                <h3>\n                    A simplified limit example\n                <\/h3>\n\n                <div class=\"mcu-limit-stack\">\n\n                    <div class=\"mcu-limit-layer mcu-limit-umbrella\">\n\n                        <span>\n                            Commercial Umbrella\n                        <\/span>\n\n                        <strong>\n                            Additional $2,000,000\n                        <\/strong>\n\n                    <\/div>\n\n                    <div class=\"mcu-limit-arrow\">\n                        Applied after eligible primary limits\n                    <\/div>\n\n                    <div class=\"mcu-limit-layer mcu-limit-primary\">\n\n                        <span>\n                            Primary Liability Policy\n                        <\/span>\n\n                        <strong>\n                            $1,000,000\n                        <\/strong>\n\n                    <\/div>\n\n                <\/div>\n\n                <p>\n                    This example is for education only. Actual coverage depends\n                    on policy wording, underlying limits and the specific claim.\n                <\/p>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- UMBRELLA VS EXCESS -->\n    <section class=\"mcu-section mcu-comparison\">\n\n        <div class=\"mcu-section-heading\">\n\n            <span class=\"mcu-label\">\n                Understanding the difference\n            <\/span>\n\n            <h2>\n                Commercial umbrella and excess liability\n                <span>are not always the same.<\/span>\n            <\/h2>\n\n            <p>\n                Both can provide higher liability limits, but the structure and\n                coverage scope may differ.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcu-comparison-grid\">\n\n            <article class=\"mcu-comparison-card mcu-comparison-featured\">\n\n                <span class=\"mcu-comparison-badge\">\n                    Broader structure\n                <\/span>\n\n                <span class=\"mcu-comparison-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 12a8 8 0 0 1 16 0Z\"><\/path>\n                        <path d=\"M12 12v6a3 3 0 0 0 6 0\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Commercial Umbrella<\/h3>\n\n                <p>\n                    An umbrella policy may provide additional limits above\n                    several scheduled underlying liability policies and may\n                    contain coverage terms that are broader in certain areas.\n                <\/p>\n\n                <ul>\n                    <li>May sit above multiple primary policies<\/li>\n                    <li>Can include its own coverage provisions<\/li>\n                    <li>May contain a self-insured retention<\/li>\n                    <li>Terms vary by carrier and policy form<\/li>\n                <\/ul>\n\n                <a href=\"\/contact-us\/\">\n                    Review umbrella options <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mcu-comparison-card\">\n\n                <span class=\"mcu-comparison-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 18h16M6 14h12M8 10h8M10 6h4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Excess Liability<\/h3>\n\n                <p>\n                    Excess liability generally increases the limit available\n                    above a specific underlying policy and often follows the\n                    coverage terms of that primary policy more closely.\n                <\/p>\n\n                <ul>\n                    <li>Often follows one scheduled primary policy<\/li>\n                    <li>Usually increases existing liability limits<\/li>\n                    <li>May be written in multiple excess layers<\/li>\n                    <li>Underlying-policy compliance is essential<\/li>\n                <\/ul>\n\n                <a href=\"\/contact-us\/\">\n                    Review excess options <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- UNDERLYING POLICIES -->\n    <section class=\"mcu-section mcu-underlying\">\n\n        <div class=\"mcu-section-heading\">\n\n            <span class=\"mcu-label\">\n                Underlying liability policies\n            <\/span>\n\n            <h2>\n                Coverage designed to sit above\n                <span>your primary protection.<\/span>\n            <\/h2>\n\n            <p>\n                The umbrella or excess policy schedule identifies the primary\n                policies and minimum limits that must remain in force.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcu-underlying-grid\">\n\n            <article class=\"mcu-underlying-card\">\n\n                <span class=\"mcu-underlying-number\">\n                    01\n                <\/span>\n\n                <span class=\"mcu-underlying-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                        <path d=\"m9 12 2 2 4-4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>General Liability<\/h3>\n\n                <p>\n                    Adds limits above covered third-party bodily injury,\n                    property damage and products-completed operations claims.\n                <\/p>\n\n                <a href=\"\/?page_id=191\">\n                    General Liability <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mcu-underlying-card\">\n\n                <span class=\"mcu-underlying-number\">\n                    02\n                <\/span>\n\n                <span class=\"mcu-underlying-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 17h14l-1-7H6Z\"><\/path>\n                        <path d=\"M7 10 9 5h6l2 5\"><\/path>\n                        <circle cx=\"8\" cy=\"17\" r=\"2\"><\/circle>\n                        <circle cx=\"16\" cy=\"17\" r=\"2\"><\/circle>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Commercial Auto Liability<\/h3>\n\n                <p>\n                    Provides higher limits for eligible auto-accident claims\n                    involving scheduled business vehicles and drivers.\n                <\/p>\n\n                <a href=\"\/?page_id=189\">\n                    Commercial Auto <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mcu-underlying-card\">\n\n                <span class=\"mcu-underlying-number\">\n                    03\n                <\/span>\n\n                <span class=\"mcu-underlying-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"8\" r=\"4\"><\/circle>\n                        <path d=\"M4 21a8 8 0 0 1 16 0\"><\/path>\n                        <path d=\"M18 5v6M15 8h6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Employers Liability<\/h3>\n\n                <p>\n                    May provide additional limits above the employers-liability\n                    portion of an eligible workers\u2019 compensation policy.\n                <\/p>\n\n                <a href=\"\/?page_id=185\">\n                    Workers\u2019 Compensation <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mcu-underlying-card\">\n\n                <span class=\"mcu-underlying-number\">\n                    04\n                <\/span>\n\n                <span class=\"mcu-underlying-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M3 13h11V6H3Z\"><\/path>\n                        <path d=\"M14 9h4l3 4v3h-7Z\"><\/path>\n                        <circle cx=\"7\" cy=\"17\" r=\"2\"><\/circle>\n                        <circle cx=\"18\" cy=\"17\" r=\"2\"><\/circle>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Trucking Liability<\/h3>\n\n                <p>\n                    Excess auto-liability layers can provide higher limits for\n                    eligible motor-carrier and transportation exposures.\n                <\/p>\n\n                <a href=\"\/?page_id=276\">\n                    Truck Insurance <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- INDUSTRIES -->\n    <section class=\"mcu-section mcu-industries\">\n\n        <div class=\"mcu-section-heading\">\n\n            <span class=\"mcu-label\">\n                Industries we serve\n            <\/span>\n\n            <h2>\n                Higher limits tailored to\n                <span>your business exposure.<\/span>\n            <\/h2>\n\n            <p>\n                Businesses with frequent public interaction, large vehicles,\n                hazardous operations or high-value contracts may face\n                significant claim severity.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcu-industry-grid\">\n\n            <article class=\"mcu-industry-card\">\n\n                <span class=\"mcu-industry-number\">\n                    01\n                <\/span>\n\n                <span class=\"mcu-industry-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M3 13h11V6H3Z\"><\/path>\n                        <path d=\"M14 9h4l3 4v3h-7Z\"><\/path>\n                        <circle cx=\"7\" cy=\"17\" r=\"2\"><\/circle>\n                        <circle cx=\"18\" cy=\"17\" r=\"2\"><\/circle>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Transportation &amp; Trucking<\/h3>\n\n                <p>\n                    Serious auto accidents can create large bodily-injury,\n                    property-damage and legal-defense expenses.\n                <\/p>\n\n                <ul>\n                    <li>Motor carriers and owner-operators<\/li>\n                    <li>Passenger transportation<\/li>\n                    <li>Delivery and logistics fleets<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcu-industry-card\">\n\n                <span class=\"mcu-industry-number\">\n                    02\n                <\/span>\n\n                <span class=\"mcu-industry-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M3 21h18M5 21V9l7-6 7 6v12\"><\/path>\n                        <path d=\"M9 21v-7h6v7\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Contractors &amp; Construction<\/h3>\n\n                <p>\n                    Large projects and hazardous job-site operations can result\n                    in severe bodily injury or property-damage claims.\n                <\/p>\n\n                <ul>\n                    <li>General contractors<\/li>\n                    <li>Trade subcontractors<\/li>\n                    <li>Commercial project requirements<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcu-industry-card\">\n\n                <span class=\"mcu-industry-number\">\n                    03\n                <\/span>\n\n                <span class=\"mcu-industry-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 21V9l5 3V9l5 3V5h6v16Z\"><\/path>\n                        <path d=\"M8 17h2M14 17h2M18 10h2\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Manufacturers &amp; Distributors<\/h3>\n\n                <p>\n                    Product failures, large inventories and national\n                    distribution can increase the potential severity of claims.\n                <\/p>\n\n                <ul>\n                    <li>Products-liability exposures<\/li>\n                    <li>Wholesale distribution<\/li>\n                    <li>Industrial operations<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcu-industry-card\">\n\n                <span class=\"mcu-industry-number\">\n                    04\n                <\/span>\n\n                <span class=\"mcu-industry-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 21V5h16v16\"><\/path>\n                        <path d=\"M8 9h2M14 9h2M8 13h2M14 13h2\"><\/path>\n                        <path d=\"M9 21v-4h6v4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Property Owners &amp; Landlords<\/h3>\n\n                <p>\n                    Tenant, visitor and premises-liability claims can exceed\n                    the limits carried on the underlying property policy.\n                <\/p>\n\n                <ul>\n                    <li>Office and retail buildings<\/li>\n                    <li>Warehouses and shopping centers<\/li>\n                    <li>Apartment and multifamily properties<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcu-industry-card\">\n\n                <span class=\"mcu-industry-number\">\n                    05\n                <\/span>\n\n                <span class=\"mcu-industry-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 10h16v11H4Z\"><\/path>\n                        <path d=\"m3 10 2-6h14l2 6\"><\/path>\n                        <path d=\"M9 21v-6h6v6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Retail &amp; Service Businesses<\/h3>\n\n                <p>\n                    Frequent customer interaction creates ongoing bodily\n                    injury, premises and advertising-liability exposures.\n                <\/p>\n\n                <ul>\n                    <li>Retail stores<\/li>\n                    <li>Restaurants and hospitality<\/li>\n                    <li>Service businesses<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcu-industry-card\">\n\n                <span class=\"mcu-industry-number\">\n                    06\n                <\/span>\n\n                <span class=\"mcu-industry-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 21V6h16v15\"><\/path>\n                        <path d=\"M9 6V3h6v3\"><\/path>\n                        <path d=\"M8 11h8M12 7v8\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Healthcare &amp; Senior Care<\/h3>\n\n                <p>\n                    Patient, resident and visitor interactions can produce\n                    costly liability claims requiring carefully coordinated\n                    coverage.\n                <\/p>\n\n                <ul>\n                    <li>Nursing and assisted-living facilities<\/li>\n                    <li>Home-health operations<\/li>\n                    <li>Healthcare service businesses<\/li>\n                <\/ul>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- CLAIM SCENARIOS -->\n    <section class=\"mcu-scenarios\">\n\n        <div class=\"mcu-scenarios-container\">\n\n            <div class=\"mcu-scenarios-heading\">\n\n                <span class=\"mcu-label mcu-label-light\">\n                    Large-claim protection\n                <\/span>\n\n                <h2>\n                    When one serious claim exceeds the primary policy.\n                <\/h2>\n\n                <p>\n                    These simplified examples show why businesses may need\n                    limits beyond the amount provided by a primary liability\n                    policy.\n                <\/p>\n\n            <\/div>\n\n\n            <div class=\"mcu-scenario-grid\">\n\n                <article>\n\n                    <span class=\"mcu-scenario-number\">\n                        01\n                    <\/span>\n\n                    <h3>Catastrophic Auto Accident<\/h3>\n\n                    <p>\n                        A company vehicle causes a multi-vehicle accident with\n                        serious injuries and damages exceeding the commercial\n                        auto-liability limit.\n                    <\/p>\n\n                    <strong>\n                        Excess auto liability may respond above the primary limit.\n                    <\/strong>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mcu-scenario-number\">\n                        02\n                    <\/span>\n\n                    <h3>Construction Injury<\/h3>\n\n                    <p>\n                        A third party suffers a severe injury at a construction\n                        project and files a lawsuit against the contractor.\n                    <\/p>\n\n                    <strong>\n                        Umbrella limits may apply after eligible GL limits.\n                    <\/strong>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mcu-scenario-number\">\n                        03\n                    <\/span>\n\n                    <h3>Product-Liability Lawsuit<\/h3>\n\n                    <p>\n                        A manufactured product causes injuries to several\n                        consumers and generates a large settlement.\n                    <\/p>\n\n                    <strong>\n                        Additional limits may apply over products liability.\n                    <\/strong>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mcu-scenario-number\">\n                        04\n                    <\/span>\n\n                    <h3>Major Premises Claim<\/h3>\n\n                    <p>\n                        A visitor suffers a life-changing injury at a commercial\n                        property and the claim exceeds the landlord\u2019s primary\n                        liability limit.\n                    <\/p>\n\n                    <strong>\n                        Umbrella protection may preserve business assets.\n                    <\/strong>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- LIMIT OPTIONS -->\n    <section class=\"mcu-section mcu-limits\">\n\n        <div class=\"mcu-section-heading\">\n\n            <span class=\"mcu-label\">\n                Flexible limit structures\n            <\/span>\n\n            <h2>\n                Build the liability limit\n                <span>your contracts and exposures require.<\/span>\n            <\/h2>\n\n            <p>\n                Coverage can often be arranged in one or more layers depending\n                on the total limit, carrier appetite and underlying policies.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcu-limit-options\">\n\n            <article class=\"mcu-limit-option\">\n\n                <span class=\"mcu-limit-option-label\">\n                    Entry layer\n                <\/span>\n\n                <strong>\n                    $1M\n                <\/strong>\n\n                <h3>\n                    Additional Liability\n                <\/h3>\n\n                <p>\n                    A common starting point for businesses that need protection\n                    beyond standard primary limits.\n                <\/p>\n\n                <a href=\"\/contact-us\/\" class=\"mcu-button mcu-button-outline\">\n                    Request Terms\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mcu-limit-option mcu-limit-option-featured\">\n\n                <span class=\"mcu-limit-option-badge\">\n                    Common contract limit\n                <\/span>\n\n                <span class=\"mcu-limit-option-label\">\n                    Expanded layer\n                <\/span>\n\n                <strong>\n                    $2M\u2013$5M\n                <\/strong>\n\n                <h3>\n                    Broader Protection\n                <\/h3>\n\n                <p>\n                    Often requested for larger contracts, vehicle fleets,\n                    construction operations and property portfolios.\n                <\/p>\n\n                <a href=\"\/contact-us\/\" class=\"mcu-button mcu-button-primary\">\n                    Request Terms\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mcu-limit-option\">\n\n                <span class=\"mcu-limit-option-label\">\n                    Higher-limit program\n                <\/span>\n\n                <strong>\n                    $5M+\n                <\/strong>\n\n                <h3>\n                    Layered Excess Program\n                <\/h3>\n\n                <p>\n                    Multiple excess policies may be arranged to create a larger\n                    total liability tower for complex risks.\n                <\/p>\n\n                <a href=\"\/contact-us\/\" class=\"mcu-button mcu-button-outline\">\n                    Request Terms\n                <\/a>\n\n            <\/article>\n\n        <\/div>\n\n        <p class=\"mcu-limit-disclaimer\">\n            Limit availability depends on the business, underlying coverage,\n            loss history, carrier appetite and underwriting requirements.\n        <\/p>\n\n    <\/section>\n\n\n    <!-- CONTRACTS -->\n    <section class=\"mcu-contracts\">\n\n        <div class=\"mcu-contracts-container\">\n\n            <div class=\"mcu-contract-content\">\n\n                <span class=\"mcu-label mcu-label-light\">\n                    Contract-required limits\n                <\/span>\n\n                <h2>\n                    Meet higher insurance requirements without rebuilding every policy.\n                <\/h2>\n\n                <p>\n                    Project owners, general contractors, landlords and customers\n                    may require total liability limits that exceed the amount\n                    carried on your primary policies.\n                <\/p>\n\n                <\/div><\/div><\/section><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Commercial Umbrella &amp; Excess Liability More protection for life\u2019s biggest claims. Add another layer of liability protection above your primary commercial policies and help protect your business against severe claims, lawsuits and contractual exposures. Quote Online Request a Call \u2713 Limits starting at $1 million \u2713 Multiple carrier options \u2713 Contract-ready coverage Extra liability limits&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-255","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/255","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=255"}],"version-history":[{"count":20,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/255\/revisions"}],"predecessor-version":[{"id":1711,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/255\/revisions\/1711"}],"wp:attachment":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}