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Lake City, FL1-800-252-6885
Greene & Associates Insurance
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Commercial Umbrella Insurance

When your standard business policy limits aren't enough, a commercial umbrella provides an extra layer of liability protection — often $1M to $10M or more.

Get a Free Umbrella Quote 1-800-252-6885

Florida Commercial Umbrella Insurance at a Glance

  • Provides excess liability above your GL, commercial auto, and employers' liability limits
  • A single catastrophic claim can easily exceed standard $1M/$2M GL limits
  • Typically costs $500–1,500/year per $1M in additional coverage for small businesses
  • Often required by large contracts, government projects, and commercial landlords

What's Covered?

A commercial umbrella extends your protection across your existing liability policies.

Excess General Liability

When a bodily injury or property damage claim exceeds your GL limits, your commercial umbrella covers the difference — protecting your business assets.

Excess Auto Liability

Serious auto accidents can easily exceed your commercial auto liability limits. Umbrella coverage picks up where your auto policy leaves off.

Excess Employers Liability

Provides additional protection above your workers' comp employers liability limits for serious workplace injury claims.

Legal Defense Costs

Covers legal defense expenses for claims that exceed your underlying policy limits — including attorney fees, court costs, and expert witnesses.

Who Needs Commercial Umbrella Insurance?

Contractors working on large commercial or government projects
Businesses with significant contract liability requirements
Companies with large vehicle fleets
Businesses with high foot traffic or public exposure
Any business where a single claim could exceed primary policy limits
Companies bidding on contracts that require higher liability limits

Industries We Serve

Trade Contractors
Property Management
Transportation & Delivery
Professional Services

Frequently Asked Questions

An umbrella policy typically provides broader coverage than your underlying policies and may cover some claims not covered below. Excess liability simply extends the limits of your existing policies without broadening coverage. Commercial umbrella policies are more common and usually provide better protection.
It depends on your industry, contract requirements, and risk exposure. Most businesses carry $1M-$5M in umbrella coverage, but contractors on large projects may need $10M or more. We'll assess your risk and recommend the right amount.
Most carriers require you to carry general liability, commercial auto, and workers' comp (if applicable) with minimum limits before issuing an umbrella policy. We'll make sure your underlying policies meet the requirements.
A $1M commercial umbrella typically costs $500-2,000/year for lower-risk businesses and $2,000-5,000+ for contractors and higher-risk operations. It's one of the most cost-effective ways to increase your liability protection.

Related Coverage

General Liability
Commercial Auto
Professional Liability
Workers Comp

Extra Protection for Pennies on the Dollar

Commercial umbrella insurance is one of the most cost-effective ways to boost your liability protection. Get a free quote today.

Get Your Free Quote or call 1-800-252-6885