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.
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?
Industries We Serve
Frequently Asked Questions
What's the difference between a commercial umbrella and excess liability?
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.
How much commercial umbrella coverage do I need?
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.
What underlying policies are required for a commercial umbrella?
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.
How much does commercial umbrella insurance cost?
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.
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.