Commercial Umbrella Insurance
Add extra liability limits above your business policies. We shop carriers for the layer that fits your risk.
We shop the market for you, no broker fees
For businesses with meaningful liability exposure
- Businesses with vehicle fleets
- Property owners
- Contractors with limit requirements
- Manufacturers and distributors
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- The underlying policies and the limits they carry
- Your class of business and your operations
- Revenue, payroll and vehicle count
- The excess limit you need, usually set by a contract
- Loss history on the underlying lines
How it works
One short form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
What this policy can cover
Extra liability limits
Additional limits above your general liability, auto, and employers liability.
A contract requires five million dollars of liability and your general liability policy carries one.
Large-claim protection
The layer that responds when a serious claim exceeds your primary limits.
Contract compliance
The higher limits that leases, lenders, and clients often require.
Broad follow-form coverage
It generally follows the terms of the underlying policies it sits above.
Questions we get asked
How does commercial umbrella insurance work?
It adds a layer of liability limits above your general liability, commercial auto, and employers liability policies and responds when a claim exceeds those limits.
Umbrella or excess liability, is there a difference?
The terms are often used interchangeably. Both raise your limits. An umbrella can be slightly broader, while excess strictly follows the underlying form.
How much umbrella coverage do I need?
It depends on your assets, contracts, and risk. Limits commonly range from 1 million to 5 million dollars or more, layered above your primary policies.
Why do contracts require an umbrella?
Landlords, lenders, and clients often require higher combined limits than a primary policy provides, and an umbrella is the efficient way to reach them.
Does an umbrella cover professional mistakes?
Not unless professional liability is specifically scheduled. An umbrella extends the policies beneath it, and E&O is usually separate.
Does an umbrella cover something my underlying policy excludes?
Generally no. An umbrella follows the form of the policies beneath it. If general liability excludes it, the umbrella usually excludes it too. The fix is the right underlying coverage, not more limit on top of a gap.
Does it sit over workers' compensation?
It can sit over employers' liability, which is Part Two of a workers' compensation policy, but not over the statutory benefits themselves.
Is an umbrella the same as excess liability?
Not quite. Excess adds limit over one specific policy and nothing more. An umbrella sits over several underlying policies and can be slightly broader. Which one you want depends on what the contract demands.
Start your quote online.
Fill in one short form or call us. No broker fees.