Can I stack multiple umbrella policies to meet MSA requirements?

Yes, layering (stacking) excess policies is standard practice for tower contractors needing limits above what a single carrier will provide. A typical structure is: primary GL ($1M/$2M) followed by a first excess/umbrella ($5M) followed by a second excess ($5M), achieving $11M total. Each layer sits excess of the layer below. The first umbrella is often follow-form over the primary GL. The second excess layer may be follow-form over the first umbrella or may have its own coverage form. Key considerations when layering: (1) Each layer must drop down if the layer below is exhausted, eroded, or insolvent. (2) Higher layers are triggered only after lower layers are completely exhausted. (3) Each carrier in the tower needs to be notified of claims that may reach their layer. (4) The cost per million of coverage decreases as you go higher because the probability of a claim reaching the excess layer decreases. A $5M primary umbrella might cost $30,000-$50,000, while the next $5M excess layer might cost $10,000-$20,000. (5) Ensure no layer introduces exclusions that do not exist in the layers below, which would create a gap in your coverage tower.