Commercial Insurance
Commercial Umbrella Insurance
Commercial umbrella insurance that adds liability limits above your general liability, commercial auto, and employer's liability policies.
A serious accident or lawsuit can produce a claim larger than your business liability limits. Commercial umbrella insurance adds an extra layer of liability coverage above your general liability, commercial auto, and employer's liability policies, helping protect your business assets and future earnings.
Many contracts and clients require higher liability limits than a primary policy provides. We'll review your exposures and contract requirements, then recommend umbrella limits that fit your business.
What Commercial Umbrella Insurance typically covers
Excess Liability Limits
Helps pay covered claims that exceed the limits of your underlying policies, up to the umbrella limit you choose.
Over Multiple Policies
Typically sits over general liability, commercial auto liability, and employer's liability, so one policy adds protection across them.
Contract Requirements
Can help you meet higher liability limits required by clients, landlords, and project owners.
Defense Costs
May help with legal defense costs on covered claims once underlying limits are exhausted, subject to policy terms.
Related coverage
Common questions
Does my business need commercial umbrella insurance?
If a large claim could exceed your liability limits, or your contracts require higher limits, an umbrella is worth considering. Businesses with vehicles, customer traffic, or job sites often benefit.
How much umbrella coverage can I get?
Commercial umbrella limits are commonly written in $1 million increments, and higher limits are available depending on your business and carrier.
What's the difference between umbrella and excess liability?
Both add limits above your primary policies. An umbrella may also cover some claims the underlying policies don't, while excess liability generally follows the underlying policy terms. We'll explain which fits.
Ready to protect what matters with the right commercial umbrella coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.