Commercial Umbrella Insurance-Your Business's Extra Layer of Protection

Big Claims, Bigger Protection-How Umbrella Insurance Works

Commercial Umbrella (Excess Liability) insurance provides extra coverage above your standard policies-like general liability, commercial auto, and employer's liability. Think of it as a safety net: if a catastrophic claim exceeds your regular insurance limits, your umbrella policy steps in, covering the overage up to your chosen limit (commonly $1M, $2M, $5M, or more).

Protect Against the "What-If" Disasters

Multi-million-dollar lawsuits are becoming more common-even for small businesses. Your regular policies might cap at $1M per claim, but verdicts can go much higher. An umbrella can help:

Umbrella insurance is usually very affordable-just a few hundred dollars per million in added protection for most businesses.

Pay large injury settlements or court awards

Cover legal defense costs after your primary limits are exhausted

Satisfy contract requirements for higher liability limits (many clients or leases demand $2M+ coverage)

Shield your business assets from extraordinary, unpredictable claims

Coverage That Sits Above Your Other Policies

If you face a $1.5M claim but your general liability or auto policy pays only $1M, your umbrella covers the remaining $500k (and more, up to your policy's limit). Umbrella coverage typically extends over:

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General Liability

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Commercial Auto Liability

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Employer's Liability (from workers' comp)

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Other eligible business liability coverages

Umbrella vs. Excess: Most umbrellas apply to multiple underlying policies; excess policies only add to one. We'll recommend the best fit for your business.

Essential for Any Business with Real Risk

Every company with substantial assets or risk exposure should consider an umbrella. That includes:



Contractors and trades with hazardous work

Businesses with a lot of customer traffic (retail, restaurants, venues)

Companies with fleets or commercial vehicles

Any firm required to carry high liability limits for contracts


If you're not sure what limits to carry, we'll help you assess your risks and meet contract requirements-without breaking the bank.

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Commercial Umbrella Insurance Questions-Answered

  • Do I need an umbrella policy for my business?

    If a major claim could exceed your current limits or if contracts require higher limits, you should consider umbrella coverage.

  • How does commercial umbrella insurance work?

    It pays after your standard policy's limit is reached, adding an extra layer of financial protection.

  • How much does $1 million in umbrella coverage cost?

    For many small businesses, just a few hundred dollars per year (rate depends on size and risk).

  • What's the difference between excess liability and umbrella?

    Umbrella usually covers multiple policies; excess extends just one.

  • Can umbrella coverage help me win contracts?

    Yes-many contracts and leases require high liability limits easily met with an umbrella.

Strengthen Your Safety Net-Request a Custom Umbrella Quote

Don't let an extraordinary claim threaten your business's future. Reach out for a quick review-we'll assess your risks, recommend the right umbrella limit, and help you secure affordable, extra protection.